Plaid and TrueLayer coverage compared by country
Plaid and TrueLayer share 8 capabilities in Unirail's catalogue, including account details, balances and transactions. They reach 16 countries in common. In total, Plaid covers 21 capabilities in 37 countries and TrueLayer covers 9 in 16 countries. Unirail routes to Plaid today. TrueLayer is listed for comparison only.
Plaid
IntegratedOpen banking provider
21 capabilities 37 countries
Plaid links bank accounts, starts UK payments, sets up VRP consents and verifies identity through Plaid Link.
TrueLayer
ListedOpen banking provider
9 capabilities 16 countries
TrueLayer offers UK and European payment initiation, VRP and payouts. As a second UK PISP, it's a fallback when another provider degrades.
Capabilities side by side
Each cell shows how many countries a provider covers for that capability. Pick a country to see whether each one offers it there.
| Capability | Plaid | TrueLayer |
|---|---|---|
| Banking | ||
| Account details | 20 countries, routed in the United Kingdom | 1 country |
| Balances | 20 countries | 1 country |
| Transactions | 20 countries | 1 country |
| Account insights | 20 countries | Not offered |
| Single payments | 18 countries, routed in the United Kingdom | 16 countries |
| Scheduled payments | 1 country | Not offered |
| Sweeping VRP | 1 country, routed in the United Kingdom | 1 country |
| Commercial VRP | 1 country | 1 country |
| Payouts | 15 countries | 12 countries |
| Virtual accounts | 14 countries | Not offered |
| Direct debits | 1 country | Not offered |
| Verification | ||
| Verification of Payee | Not offered | 11 countries |
| Account ownership | 20 countries, routed in the United Kingdom | Not offered |
| Micro-deposits | 1 country | Not offered |
| Identity | ||
| ID document check | 37 countries, routed in the United Kingdom | Not offered |
| Selfie and liveness | 37 countries, routed in the United Kingdom | Not offered |
| Database check | 24 countries, routed in the United Kingdom | Not offered |
| Identity prefill | 1 country | 2 countries |
| Compliance | ||
| Sanctions screening | 37 countries | Not offered |
| PEP screening | 37 countries | Not offered |
| Risk | ||
| Return risk | 1 country | Not offered |
| Fraud signals | 1 country | Not offered |
- Unirail routes it in at least one country
- Listed from the provider's documentation
Countries side by side
Each row shows how many capabilities each provider offers in that country. 16 countries have both providers and 21 have only one.
| Country | Plaid | TrueLayer |
|---|---|---|
| United Kingdom GB | ||
| Austria AT | ||
| Belgium BE | ||
| Bulgaria BG | None | |
| Croatia HR | None | |
| Cyprus CY | None | |
| Czechia CZ | None | |
| Denmark DK | ||
| Estonia EE | None | |
| Finland FI | ||
| France FR | ||
| Germany DE | ||
| Greece GR | None | |
| Hungary HU | None | |
| Iceland IS | None | |
| Ireland IE | ||
| Italy IT | ||
| Latvia LV | None | |
| Liechtenstein LI | None | |
| Lithuania LT | ||
| Luxembourg LU | None | |
| Malta MT | None | |
| Netherlands NL | ||
| Norway NO | ||
| Poland PL | ||
| Portugal PT | ||
| Romania RO | ||
| Slovakia SK | None | |
| Slovenia SI | None | |
| Spain ES | ||
| Sweden SE | None | |
| United States US | None | |
| Canada CA | None | |
| Australia AU | None | |
| Hong Kong HK | None | |
| Japan JP | None | |
| Singapore SG | None |
Route payments between Plaid and TrueLayer
Unirail routes to Plaid today. It can show TrueLayer's coverage but can't send payments to TrueLayer yet. If you contract with both, talk to us. Where they overlap (account details, balances and transactions), routing across both would give each payment a second option when one provider can't take it.
Once you have an account, you can start with Plaid in test mode. Adding another integrated provider later is a dashboard setting, with the same API and SDK.
Deals stores each provider contract with its fees, volume tiers and renewal date next to live routing data. You can see what switching would save before you renegotiate.
- Plaid, sweeping VRP: On by default in the sandbox; production needs Plaid to enable VRP and reusable payments switched on for the connection.
Onboarding, custody and regulation
These come from each provider's catalogue entry. Check the current terms with the provider before you sign.
| Plaid | TrueLayer | |
|---|---|---|
| Kind | Open banking provider | Open banking provider |
| In Unirail | Integrated (connect it in the dashboard) | Listed (not routed yet) |
| Who holds the money | No one holds the money | No one holds the money, The provider holds it in transit |
| Account types | UK sort code and account number | UK sort code and account number, IBAN |
| Sandbox | Self-serve sandbox | Self-serve sandbox |
| Production | Production by contract with the provider | Production by contract with the provider |
| Onboarding notes | Production Payment Initiation needs Plaid's approval of the use case; VRP is enabled separately. | None recorded |
| Regulated party | Plaid is the PISP and AISP; the platform contracts with Plaid directly. | TrueLayer as PISP. |
Sources
Each provider's coverage comes from the pages below, with the date each was read. Integrated rows come from Unirail's Plaid adapter.
Plaid
- plaid.com/docs/auth/coverage Checked 8 October 2026 Account details, Micro-deposits
- support.plaid.com/hc/en-us/articles/27895826947735 Checked 8 October 2026 Balances, Transactions, Account insights
- plaid.com/docs/payment-initiation Checked 8 October 2026 Single payments, Scheduled payments
- plaid.com/blog/commercial-variable-recurring-payme… Checked 8 October 2026 Commercial VRP
- plaid.com/docs/api/products/virtual-accounts Checked 8 October 2026 Payouts, Virtual accounts
- plaid.com/docs/transfer Checked 8 October 2026 Payouts, Direct debits
- plaid.com/docs/identity Checked 8 October 2026 Account ownership
- plaid.com/docs/identity-verification Checked 8 October 2026 ID document check, Selfie and liveness, Database check
- plaid.com/docs/layer Checked 8 October 2026 Identity prefill
- plaid.com/docs/monitor Checked 8 October 2026 Sanctions screening, PEP screening
- plaid.com/docs/signal Checked 8 October 2026 Return risk
- plaid.com/products/protect Checked 8 October 2026 Fraud signals
TrueLayer
- docs.truelayer.com/docs/data-api-basics Checked 8 October 2026 Account details, Balances, Transactions
- docs.truelayer.com/docs/get-information-about-bank… Checked 8 October 2026 Single payments
- docs.truelayer.com/docs/variable-recurring-payment… Checked 8 October 2026 Sweeping VRP, Commercial VRP
- docs.truelayer.com/docs/payout-and-refund-basics Checked 8 October 2026 Payouts, Verification of Payee
- docs.truelayer.com/docs/signup-basics Checked 8 October 2026 Identity prefill