Compare Kontomatik
and Nordigen

Max available bank coverage in Poland
18
14
Total coverage: countries / banks
8/80
31/2240
Individual / corporate account coverage
Responsiveness
12s
n/a
Configurable UI
White label
Widget CSS personalisation
Possibility to put consents before the widget
Available datasets (JSON) Personal Account data / Account details / Transactions
Yes / Yes / Yes
No / Yes / Yes
Full PESEL field availability
Mobile friendly (SDK)

Coverage

Both companies are present in Poland - Kontomatik, is the oldest and leading AISP in the country and has the widest coverage in embedded flow (19 banks covered; Nordigen does not offer embedded flow), but, is behind in terms of redirect flow coverage (individual accounts in 9 banks and corporate accounts in 6 banks to Nordigen’s 14 and 7 banks respectively).

Internationally, Kontomatik is present in another 7 countries and covers 80 banks in total, whereas Nordigen’s total coverage is over 2,200 banks across 31 EEA countries.

Here’s a full list of supported bank accounts in Poland:

Kontomatik

PKO BP, Santander Bank Polska, mBank, Bank Millennium S.A., ING Bank Śląski, Bank Pekao S.A., Alior Bank, BNP Paribas (GOonline), Bank Pocztowy, Crédit Agricole, Getin Bank, Nest Bank, Inteligo, Kasa Stefczyka, Plus Bank, Bank Ochrony Środowiska (BOŚ), eSKOK and Optima. Source.

Nordigen

Alior Bank, Bank Millennium, Bank Pekao, BNP Paribas, Ikano Bank, ING, Inteligo, mBank Corporate & Retail, Nest Bank, PKO Bank Polski, Santander Bank as well as: Airwallex, Ebury, Monese, N26 Bank, PayPal, Revolut, Stripe and Wise. Source

Widget customisation

Both companies offer very similar possibilities of widget customisation. Both Kontomatik and Nordigen allow for changes of color of certain elements of the widget. Nordigen, in addition, offers the possibility to build custom UI with their open source JavaScript libraries or from scratch. Neither provider offers a whitelabel option or the possibility to change the place of displaying customer consents.

Response time

The exact response time is dependent on the bank the data is being downloaded from and its performance as well as the load of the data itself. Kontomatik claims that their response time is “anywhere between a few seconds and several minutes' ' and Nordigen does not share their average response time at all.

Data availability

Both companies return 3 basic datasets: personal/company information (although in Nordigen’s case it’s included in account details), account details and transactions. Additionally, Kontomatik returns data on credit cards connected to the account and can match them with certain transactions made with them, and Nordigen returns different types of balances.

Only Kontomatik is able to retrieve PESEL numbers as Nordigen does not offer embedded flow in Poland.

Mobile friendliness

Neither company offers a mobile SDK, meaning their solutions are not made for native mobile apps. They both, however, should work just fine on mobile websites.

Table of content

  • Coverage
  • Kontomatik
  • Nordigen
  • Widget customisation
  • Response time
  • Data availability
  • Mobile friendliness