Powens

Powens is an Open Finance and embedded payments platform that connects financial data and payment workflows through APIs. Its aggregation service syncs accounts, transactions, savings, loans and investments from more than 1,800 banks across 12 EU countries, with accounts refreshed daily. Transaction history varies from 3 to 24 months by bank, and connections can stay live for six months with daily refreshes. Payment tools include IBAN accounts, Direct Debit, Pay by Bank and instant SEPA transfers through one API and dashboard; Powens says recipients receive funds within 10 seconds for its instant transfers. It also offers real-time bank identity checks and Spanish IBAN ownership verification. Developers have access to API documentation, guides, SDKs, customizable connection widgets, an admin console and a free self-service sandbox. Powens lists use cases across lending, accounting, wealth management, property management, retail banking, cashback and payments. Founded as Budget Insight in 2012, it adopted the Powens name in 2022. Pricing is on request.

Who it is for

Powens is aimed at businesses connecting financial data or payment workflows, including lenders, accounting services, wealth managers and payment providers. Its developer tools and sandbox also suit teams building API integrations.

What is good

Aggregation covers 1,800+ banks in 12 EU countries
Offers a free self-service API sandbox
Instant SEPA transfers are offered through one API
Enterprise plans offer dedicated hosting options

What to know first

Transaction history varies from 3 to 24 months by bank
Live connections can be maintained for six months
Pricing is on request

Verdict

Powens brings account aggregation, identity checks and payment workflows into an API-based platform. Coverage and transaction history vary by product, country and bank, and pricing requires an inquiry.

Powens plans and pricing

All plans

Custom API plans Not published Pricing set out in a purchase order · Enterprise plans offer dedicated hosting and support powens.com · 30 Sept 2026

Compared on bank connectivity software

Supported data types: accounts, transactions, documents, investments, subscriptions, savings, loans
Connection methods: credentials, web-based authentication, Open Banking/API connections, Powens Connect Webview
Refresh frequency: real_time
Statement formats: PDF
Multi-entity support: Yes

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Powens

What it does: Powens describes itself as an Open Finance and embedded payments platform that connects financial data and payment workflows through APIs.
Financial data: Its aggregation service syncs bank accounts, savings, loans and investments from 1,800+ banks across 12 EU countries, with accounts refreshed daily.
Transaction history: Transaction history ranges from 3 to 24 months depending on the bank, and connections can be kept live for six months with daily refreshes.
Payments: The platform offers IBAN accounts, Direct Debit, Pay by Bank and instant SEPA transfers through one API and dashboard.
Transfer speed: Powens says beneficiaries receive funds from its SEPA Instant Transfers within 10 seconds.
Coverage: Powens lists data connectivity in 12 EU countries and describes its accounts and SEPA transfer coverage across the SEPA area.
Integrations: For business account aggregation, Powens says it connects to PSP wallets such as PayPal, Stripe and GoCardless.
Security: Powens says it is ISO 27001 certified and that its security and compliance frameworks are independently tested and audited each year.
Regulation: Powens SAS is described as a French payment institution regulated by the ACPR, and Unnax Regulatory Services EDE, S.L.U. as a Spanish electronic money institution regulated by the Bank of Spain.
Hosting: Powens says its enterprise plans include dedicated sovereign hosting in France and hybrid on-premise hosting, alongside mutualized SaaS.
Support: Enterprise plans include a dedicated account manager and priority assistance from integration and technical support teams.
Getting started: Powens offers a free self-service sandbox account with API documentation, integration guides, SDKs and customizable connection widgets.
Who it serves: Powens lists lending, accounting and invoicing, wealth management, property management, cashback and rewards, retail banking, and payments among its target sectors.
Data aggregation: Its aggregation products sync bank accounts, transactions, savings, loans and investments from 1,800+ banks across 12 EU countries.

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Where it ranks on The Geeks Club

Best Bank Connectivity Software in 2026#1 of 70
Best Direct Debit Processing Software in 2026#1 of 22

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Sources

powens.com/platform/· checked 30 Sept 2026
powens.com/products/financial-data-aggregation· checked 30 Sept 2026
powens.com/products/transactions/· checked 30 Sept 2026
powens.com/solutions/payments/· checked 30 Sept 2026
powens.com/coverage/· checked 30 Sept 2026
powens.com· checked 30 Sept 2026
powens.com/products/financial-data-aggregation/· checked 30 Sept 2026
powens.com/about-us/· checked 30 Sept 2026
powens.com/sas-conditions-sale/· checked 30 Sept 2026