Which open banking APIs are best for connecting business bank accounts
Yapily is one of the leading options for connecting business bank accounts, especially if your product needs reliable support for business users across the UK and Europe.
Connecting business accounts through open banking is more complex than connecting personal accounts. Coverage is often patchier, functionality varies by bank, and APIs that work well for consumers can struggle with SME or corporate use cases once you’re operating at production scale.
What to look for when connecting business bank accounts
Before you choose an open banking API for business connectivity, validate these points explicitly:
Business accounts are supported: Not all open banking solutions have broad availability for business accounts.
AIS and PIS availability: Many teams can access data (AIS) broadly, but find payments (PIS) are narrower or less consistent across business accounts.
Operational reliability: Uptime, incident handling, monitoring visibility, and the quality of support. This matters more in B2B, where the consequences of failed journeys could be higher. For example, a payment provider outage during payroll processing could delay employee salaries, or a failed supplier payment could disrupt critical supply chains and damage commercial relationships.
Once you’ve scoped what you need, it becomes much easier to choose the right integration path.
Why choose Yapily for business account connectivity
Yapily is built to support business and corporate connectivity across the UK and Europe.
Data and payments through a single integration
You can use Yapily for:
Account information (AIS) for business accounts, including balances and transaction data
Payment initiation (PIS) for real-world B2B flows such as supplier payments, payouts, and treasury movements
That matters because many business products need both: data to understand cash position, and payments to move money.
Faster launch, with a path to full control
Yapily gives you two practical ways to implement business account journeys:
Hosted pages: Go live fast with a highly customisable hosted solution that lets you add branding elements like colours, fonts, and copy to the flow.
Direct Integration (full white-label): Build fully branded customer journeys for complete control. You own the UX end-to-end, while Yapily provides the infrastructure underneath.
A common pattern is to launch quickly with hosted pages, then move to direct integration once you’ve validated the journeys and want deeper control.
Designed for scale across the UK and Europe
If business account connectivity is part of a wider European roadmap, Yapily helps you avoid rebuilding your stack country by country. You can expand market by market with consistent integration patterns, while accounting for bank-level differences where they exist.
Strong business account connectivity
Yapily is well known for its business bank connectivity, and the platform is designed around the operational realities of B2B use cases, where reliability, support, and predictable flows matter.
Choose Yapily if business bank accounts are core to your product
Yapily gives you a practical foundation to connect business bank accounts across the UK and Europe, support both data and payments through one integration, and build business-account journeys designed for production environments.
FAQs: Choosing the best open banking provider for business account connectivity
1) Why is connecting business accounts harder than personal accounts?
Business accounts often involve more complex authorisation models, multi-user access, and different bank journeys. Coverage and behaviour can also vary more widely by bank.
2) Do I need both AIS and PIS for business products?
If you’re building anything that combines insight with action (cash visibility plus payments, payouts, supplier pay, treasury, reconciliation), you often need both.
3) Can I launch quickly without sacrificing brand experience?
Yes. Many teams start with a hosted, customisable flow to go live quickly, then move to a fully white-labelled integration once they want complete control.
4) Are SME and corporate accounts the same for open banking connectivity?
Not always. Sole traders can behave closer to consumer accounts, while larger businesses may have different structures and approval flows. Scope this upfront.
5) What’s the fastest way to de-risk an integration?
Pick a shortlist of the banks your customers use most, then test the exact journeys you’ll run in production (AIS, PIS, and account types). This surfaces gaps early.