TrueLayer and Yapily coverage compared by country
TrueLayer and Yapily share 7 capabilities in Unirail's catalogue, including account details, balances and transactions. They reach 14 countries in common. In total, TrueLayer covers 9 capabilities in 16 countries and Yapily covers 10 in 18 countries. Unirail routes to Yapily today. TrueLayer is listed for comparison only.
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.
Yapily
IntegratedOpen banking provider
10 capabilities 18 countries
Yapily links accounts and makes single immediate payments across UK banks, using Unirail's own bank picker.
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 | TrueLayer | Yapily |
|---|---|---|
| Banking | ||
| Account details | 1 country | 18 countries, routed in the United Kingdom |
| Balances | 1 country | 18 countries |
| Transactions | 1 country | 18 countries |
| Account insights | Not offered | 18 countries |
| Single payments | 16 countries | 18 countries, routed in the United Kingdom |
| Sweeping VRP | 1 country | 1 country |
| Commercial VRP | 1 country | 1 country |
| Bulk payments | Not offered | 1 country |
| Payouts | 12 countries | Not offered |
| Verification | ||
| Verification of Payee | 11 countries | 13 countries |
| Account ownership | Not offered | 1 country, routed in the United Kingdom |
| Identity | ||
| Identity prefill | 2 countries | 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. 14 countries have both providers and 6 have only one.
| Country | TrueLayer | Yapily |
|---|---|---|
| United Kingdom GB | ||
| Austria AT | ||
| Belgium BE | ||
| Denmark DK | ||
| Estonia EE | None | |
| Finland FI | ||
| France FR | ||
| Germany DE | ||
| Iceland IS | None | |
| Ireland IE | ||
| Italy IT | ||
| Latvia LV | None | |
| Lithuania LT | ||
| Netherlands NL | ||
| Norway NO | ||
| Poland PL | None | |
| Portugal PT | ||
| Romania RO | None | |
| Spain ES | ||
| Sweden SE | None |
Route payments between TrueLayer and Yapily
Unirail routes to Yapily 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 Yapily 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.
- Yapily, single payments: Capped at £15,000 per payment under Yapily Connect (catalogue note, not yet verified against a source).
Onboarding, custody and regulation
These come from each provider's catalogue entry. Check the current terms with the provider before you sign.
| TrueLayer | Yapily | |
|---|---|---|
| Kind | Open banking provider | Open banking provider |
| In Unirail | Listed (not routed yet) | Integrated (connect it in the dashboard) |
| Who holds the money | No one holds the money, The provider holds it in transit | No one holds the money |
| Account types | UK sort code and account number, IBAN | 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 | None recorded | Under Yapily Connect, Yapily is the regulated party and the platform shows Yapily's disclosure. The catalogue lists a £15,000 cap per payment, not yet verified against a source. |
| Regulated party | TrueLayer as PISP. | Yapily (Yapily Connect: FCA 827001 in the UK, Bank of Lithuania LB002045 in the EU) or the platform's own licence. |
Sources
Each provider's coverage comes from the pages below, with the date each was read. Integrated rows come from Unirail's Yapily adapter.
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
Yapily
- yapily.com/product/open-banking-country-coverage Checked 8 October 2026 Account details, Balances, Transactions, Account insights
- docs.yapily.com/payments/payment-resources/europea… Checked 8 October 2026 Single payments, Bulk payments
- docs.yapily.com/payments/vrps/coverage Checked 8 October 2026 Sweeping VRP, Commercial VRP
- docs.yapily.com/payments/payment-resources/verific… Checked 8 October 2026 Verification of Payee