Coverage

TransactionLink offers it’s TL AIS only in Poland, whereas Kontomatik provides AIS services in 8 countries - Poland, 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

Aion Bank, Alior Bank, Bank Pocztowy, BNP Paribas, BOŚ Bank, Credit Agricole, eSKOK, Getin Bank, ING, Inteligo, mBank, Millennium, Nest Bank, Pekao S.A., PKO BP, Santander, SGB and Revolut. Source

Widget customisation

Both providers offer some degree of customisation of their widgets. TransactionLink offers fully customisable widget with whitelabel possibility, configurable UI, the possibility to extract consents from the widget and put them in previous steps and full widget CSS customisation. Kontomatik offers only the possibility to change colours of certain elements of the widget.

Response time

In both cases the response time depends on the bank, from which the data is being downloaded and it’s performance and the load of the data downloaded, so the latency can vary significantly. For Kontomatik, the global median value of response time is 12 seconds, and for TL AIS the average value is 0.5s

Data availability

Both Kontomatik and TransactionLink return personal/company data, account information and transactions from the account. Additionally, Kontomatik returns data on credit cards connected to the account and can match them with certain transactions made with them.

Both companies can provide a PESEL number of your users in embedded flow. TransactionLink retrieves PESEL from all but 1 bank, whereas Kontomatik returns full PESEL from 4 banks and a masked PESEL* from another 2 banks.

Mobile friendliness

Neither company offers mobile SDK for their solutions, so their solutions are not friendly to native mobile apps. They both, however, work just fine on mobile websites.