Brankas

Overview

Brankas is an open-finance and Banking-as-a-Service platform for organizations building financial services into their products. It suits banks, financial institutions, and technology companies that need financial-data access alongside payment flows; its reach is strongest where its partner institutions operate, so regional coverage matters.

Its products span data APIs, money-in and money-out payments, and an API hub for open banking and Banking-as-a-Service. Brankas reports integrations with more than 80 financial institutions and partners across six markets, while its coverage page identifies institutions in the Philippines, Indonesia, and Thailand. Supported products and availability vary by institution, making institution-level checks essential before committing to a deployment.

For a broader category view, see Bank Connectivity Software.

Key features

• Financial data APIs: One integration can retrieve account and transaction data from multiple institutions. Balance, Statement, Income, and Expense products give teams several types of financial information to work with; investment data and transaction enrichment are also supported.
• Money-in and money-out: Direct handles account-to-account transfers and payments. Disburse automates transfers from corporate bank accounts, with individual or bulk payouts initiated from a dashboard. Brankas says it does not hold customers' money, which is relevant for businesses assessing how funds move through the service.
• Open Finance Suite: The suite supports open banking and open-finance compliance as well as Banking-as-a-Service. Cloud, on-premise, and hybrid deployments provide options for organizations with different infrastructure requirements, though the project timeline and support model call for implementation planning.
• Developer access and mobile integration: Developers can create API keys for sandbox and live environments in the Brankas Dashboard. Android and iOS Tap SDKs can launch an embedded WebView for Brankas product flows, a practical path for adding those flows to mobile apps.
• Institution connections: Brankas says it works with most core banking systems and technology stacks. That broad compatibility claim may help with evaluation, but the supported product and availability at each institution remain the deciding factors.
• Security: Brankas says it uses HTTPS and encryption, holds ISO 27001 and PCI-DSS certifications, and does not store end-user credentials. It also says financial regulators conduct regular audits.

Pricing

Brankas is a paid product with custom pricing. Basic, Enterprise, and Open Finance Suite have no published fixed price, so buyers need to request a quote to compare the cost with their planned use.

• Basic: Custom pricing. The plan name alone does not establish what it includes, so confirm scope and terms before treating it as a lower-cost starting point.
• Enterprise: Custom pricing. This is a named option for larger deployments, but buyers should clarify included products, usage terms, and support in the quote.
• Open Finance Suite: Custom pricing for cloud, on-premise, or hybrid deployments. Brankas describes implementation projects of 8–12 weeks and one-to-one post-sales support. That gives buyers a concrete planning horizon and support commitment, but it also means the suite is a project rather than a quick self-serve purchase.

Businesses can create an account to access a sandbox, and Brankas invites visitors to try the service for free. That supports evaluation before a production decision; production pricing and any usage limits should be confirmed directly.

Platforms

Brankas supports Android, iOS, web, API, and self-hosted deployments. The mobile SDKs cover Android and iOS, while the Open Finance Suite can be deployed in the cloud, on-premise, or in a hybrid setup. This range gives teams room to match integration and infrastructure choices to their product, though the right deployment depends on the project scope.

Who it's for

Brankas is best suited to banks, financial institutions, technology companies, and other businesses embedding financial services into a product. It is a stronger fit for teams that need both financial-data connections and payment capabilities, or that need an API hub for open-finance and Banking-as-a-Service work. Businesses should look elsewhere if their target institutions or required products are not covered, or if they need clear public pricing before engaging a vendor.

Pros and cons

• Pro: Data and payments in one product family. Financial-data APIs sit alongside Direct and Disburse, giving teams a route to combine account information with incoming and outgoing payment flows.
• Pro: Multiple deployment options. Cloud, on-premise, and hybrid Open Finance Suite deployments can accommodate different infrastructure preferences.
• Pro: Sandbox access and mobile SDKs. Separate sandbox and live environments, plus Android and iOS SDKs, support evaluation and app integration.
• Con: Institution coverage is not uniform. Availability and supported products vary by financial institution, so regional and product fit must be checked before planning around a connection.
• Con: Pricing requires a sales conversation. The plans have custom pricing rather than public prices, which makes initial budgeting and direct price comparison harder.
• Con: The suite takes project planning. An 8–12 week implementation window may not suit teams seeking a rapid, self-serve launch.

Alternatives

• MX is worth comparing for teams seeking a freemium option: its Free account costs nothing for 100 users, while MX Platform requires a demo and has custom pricing.
• TrueLayer Data API may suit a data-focused evaluation that can start with mock data: its free Sandbox has no production access, and Production pricing depends on volume and use case.
• Fintable API is another option to consider if a Personal plan at $12 a month fits better; its Enterprise plan offers a private API, unlimited bank connections, realtime updates, custom integrations, and dedicated support at custom pricing.
• Belvo offers a free sandbox with unlimited testing, while production access for real customers requires a paid plan; consider it when that sandbox arrangement suits your evaluation stage.
• Fintoc is another freemium alternative.
• viaBanking Banking API offers a free sandbox with sample-data AIS and PIS calls and no card requirement; production pricing is usage-based.
• Envestnet | Yodlee is another freemium alternative.
• Lean Technologies is another paid alternative.

Verdict

Choose Brankas if you are building financial services and want financial-data access, payment flows, and open-finance infrastructure from one provider, especially where its institution coverage matches your markets. Its sandbox, deployment choices, and implementation support add practical flexibility. Look elsewhere if coverage is a mismatch, if an 8–12 week suite project is too slow, or if public pricing is a requirement.