Kontomatik is one of the leading providers in Poland - it covers 19 banks in embedded flow. In redirect flow it covers individual accounts in 10 banks and corporate accounts in 6 banks.Yapily is not yet available in Poland.
Internationally, Yapily is present in 17 countries (mainly Western Europe, Baltic and Nordic countries) and covers a total of 1645 banks.Kontomatik is present in 8 countries and covers 80 banks in total. Outside of Poland it is present in Czechia, Lithuania, Latvia, Estonia, Spain, Portugal and the Philippines.
Here’s a full list of supported bank accounts in Poland:
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
Currently Yapily don’t support polish bank accounts, for more information please visit this link
Yapily offers a whitelabel option, but does not share if CSS customisation or configurable UI are available. Kontomatik does not offer a fully whitelabel solution or a fully configurable UI, but allows for customisation of colours. Neither provider offers the option to move consents between different widget screens.
In both cases, exact response time will vary depending on the bank’s performance and the load of the data. Average latency for Yapily’s services is 0.5s in the UK (Yapily does not share information on it’s response times outside of UK) and for Kontomatik the global median is 12s.
Both providers return 3 basic datasets: personal/company data, account information and transactions. In addition, Yapily offers information about balances, direct debits, periodic and scheduled payments and bank statements and Kontomatik is able to retrieve data on credit cards connected to the account and can match them with certain transactions made with them.
As Yapily does not cover any banks in Poland it is not able to retrieve PESEL numbers. Kontomatik is able to return it in full from 4 banks (Nest Bank, Kasa Stefczyka, eSKOK, BNP Paribas) and in a masked form from another 2 banks (Getin Bank, Inteligo) in its embedded flow.
Out of the two, only Yapily offers a mobile SDK. Kontomatik is not suitable for native mobile apps but works fine in mobile websites.