EU Sovereignty Score
Non-EU vendorFintech & NeobanksHeadquarters: GB

Yapily: sovereignty score and 8 European alternatives

Yapily is a UK open banking company that provides APIs for payments and account data. Its platform covers Pay by Bank, recurring variable payments, account and transaction data, transaction categorisation and data validation. Businesses connect to banks in the United Kingdom and Europe through these APIs. Access is API-based, with developer documentation and a customer console.

Yapily Ltd is registered in England and Wales, with its head office in London. The group includes Yapily Connect UAB, registered in Vilnius, Lithuania, which places part of the group inside the EU. The privacy notice names Google LLC as a service provider outside the UK and Europe, and cites the UK's International Data Transfer Addendum and the European Commission's standard contractual clauses as transfer safeguards. It does not state where customer data is stored. For European organisations the UK is outside EU jurisdiction, so contract terms, hosting locations and transfer mechanisms should be checked.

Sovereignty score
32 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-250
    Headquartered outside the EU (GB)
  • Data residency SOV-30
    No hosting in Europe (OTHER)
  • Cryptographic key sovereignty SOV-340
    Key management with a non-European vendor
  • Freedom from lock-in SOV-640
    Closed source: switching requires data migration
  • Source & runtime sovereignty SOV-4 · SOV-630
    Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 11, 2026
Headquarters
GB (OTHER)Verified by hand
EU adequacy decision
Yes — found adequate by the European CommissionVerified by hand
Sovereignty model
Vendor-hosted (non-EU)Verified by hand
Data hosting
OTHERVerified by hand
Open-source
NoVerified by hand
GDPR-compliant
YesVendor-stated
Category
Type
Product
Website

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Yapily

The European alternatives to Yapily come from our knowledge base of over 6,800 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

116 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Yapily

Yapily is headquartered in GB, outside the EU. Contracts and data therefore also fall under non-European law. The GDPR applies through contractual terms, but in a conflict with local legislation you have less certainty than with a European vendor.

Yapily hosts data outside the EU (OTHER). Personal data therefore leaves the EU, which requires a transfer mechanism under the GDPR and pulls the data residency score down.

Yapily is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Yapily together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Yapily?

It depends on your use case. Strong EU alternatives to Yapily include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Yapily?

Our list of EU alternatives to Yapily is mostly commercial options. Browse the category on the map for open-source choices.

Is Yapily GDPR-compliant and where is the data hosted?

Yapily is headquartered in GB (OTHER) and hosts data in OTHER. The vendor states it is GDPR-compliant, but the data falls under non-EU jurisdiction. For full EU data residency the EU alternatives on this page usually offer more certainty.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 11, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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8 European alternatives to Yapily — GDPR-compliant & EU-hosted · EU Sovereignty Score