Brankas

Brankas provides open finance and Banking-as-a-Service APIs for banks, financial institutions, technology companies, and businesses building financial services into their products. Its financial-data APIs retrieve account and transaction data from multiple institutions through one integration. Data products include Balance, Statement, Income, and Expense. Direct supports account-to-account transfers and payments, while Disburse sends funds individually or in bulk. The Open Finance Suite supports open banking compliance and Banking-as-a-Service, with cloud, on-premise, and hybrid deployment options. Brankas says it works with most core banking systems and technology stacks. Its coverage page lists institutions in the Philippines, Indonesia, and Thailand, although products and availability vary by institution. Android and iOS Tap SDKs can launch an embedded WebView for Brankas product flows; developers can generate API keys for sandbox and live environments. Brankas says it uses HTTPS and encryption, does not store end-user credentials, and holds ISO 27001 and PCI-DSS certifications. Businesses can create an account to access a sandbox. Pricing is available on request, and the Open Finance Suite page describes implementation projects of 8–12 weeks with one-to-one post-sales support.

Brankas combines financial-data access, payment products, and an API hub for open finance and Banking-as-a-Service. Prospective customers should confirm coverage and request pricing for their requirements.

Brankas is intended for banks, financial institutions, technology companies, and other businesses adding financial services to their products. Its deployment choices may suit organizations with cloud, on-premise, or hybrid requirements.

Brankas is an API platform for open finance, account data, and account-to-account payments. It is aimed at banks, financial institutions, technology companies, and businesses embedding financial services, especially those operating across Southeast Asia. Its strongest case is a single integration spanning data and money movement; custom pricing, institution-dependent coverage, and a substantial implementation project make it less suited to small teams seeking a self-serve product.

Overview

Brankas combines financial-data APIs, payment products, and an Open Finance Suite for open banking, compliance, and Banking-as-a-Service. Direct handles money-in transfers and payments, while Disburse handles money-out transfers from corporate bank accounts. The company reports more than 80 financial institutions and partners integrated across six markets.

Coverage listed for the Philippines, Indonesia, and Thailand is institution-specific: supported products and availability differ by bank. That makes Brankas potentially valuable for regional rollout, but buyers should validate the exact institutions and use cases needed before committing. For broader category context, see Bank Connectivity Software.

Key features

• Financial data APIs: One integration can retrieve account and transaction information from multiple financial institutions. Balance, Statement, Income, and Expense products cover core reporting needs, while investment data and transaction enrichment support richer financial applications.
• Account-to-account payments: Direct supports incoming transfers and payments. Disburse automates outgoing transfers and can send funds individually or in bulk from a dashboard. Brankas says it does not hold customers’ money, which suits businesses that want payment orchestration without becoming a custodian.
• Open Finance Suite: The suite brings open-banking and open-finance compliance capabilities together with Banking-as-a-Service APIs. Cloud, on-premise, and hybrid deployment options accommodate different infrastructure and governance requirements.
• Developer access: API keys can be generated in the Brankas Dashboard, with separate sandbox and live environments for the Data API. Webhooks, mixed data refresh, multi-asset accounts, investment data, and transaction enrichment give developers useful building blocks for event-driven and consolidated financial products.
• Mobile SDKs: Brankas Tap SDKs for Android and iOS can launch an embedded WebView for Brankas flows inside a mobile app. This is practical for teams that want native app entry points without building every connection flow themselves.
• Security and delivery: Brankas states that it uses HTTPS and encryption, is ISO 27001 certified and PCI-DSS certified or compliant, does not store end-user credentials, and undergoes regular audits by financial regulators. The suite describes certified implementation support or an approved systems-integration partner, plus one-to-one post-sales support.

Pricing

Brankas is a paid service with pricing on request. The Basic and Enterprise plans have custom pricing, so the published material does not support a direct cost comparison between them. The Open Finance Suite is also custom-priced and is offered in cloud, on-premise, or hybrid deployments.

The Open Finance Suite is the enterprise engagement: projects are described as taking 8–12 weeks and include one-to-one post-sales support. It fits organizations that need implementation help, deployment choice, and compliance-oriented infrastructure rather than a lightweight plug-in. Basic is the more plausible starting point for smaller deployments, while Enterprise is better for larger or more demanding programs, but buyers must request a quote to establish limits and terms.

A free plan and free access to a sandbox lower the barrier to technical evaluation. The homepage invites businesses to try Brankas for free, and an account provides sandbox access. That is useful for validating API flows, but it is not a substitute for confirming production coverage or commercial pricing.

Platforms

Brankas supports Android, iOS, web, API, and self-hosted deployments. The combination of public API environments, mobile SDKs, and self-hosted or hybrid suite options covers both app developers and institutions with stricter infrastructure requirements.

Who it's for

Brankas is best for banks, financial institutions, fintech and technology companies, and other businesses building financial services into existing products. It is particularly relevant when one project needs both financial-data aggregation and account-to-account payments, or when deployment and compliance requirements extend beyond a cloud-only integration.

It is a weaker fit for a small business that needs transparent pricing, broad consumer-bank coverage outside Brankas’s listed markets, or a short self-serve setup. Institution-level availability and an 8–12 week suite implementation can add planning work before launch.

Pros and cons

Pros

• Broad product scope: Data, incoming payments, outgoing disbursements, and Banking-as-a-Service APIs can be assembled through one provider.
• Deployment flexibility: Cloud, on-premise, and hybrid Open Finance Suite options suit different security and operating models.
• Useful developer foundation: Sandbox and live environments, dashboard-generated keys, webhooks, mobile SDKs, and transaction enrichment support production-oriented builds.
• Security positioning: ISO 27001 and PCI-DSS credentials, encryption, credential non-storage, and regulatory audits address important financial-services concerns.

Cons

• Custom pricing only: Without public rates, budgeting and comparing plans requires a sales conversation.
• Coverage varies by institution: Regional availability is not uniform, so a required bank or product may not be supported.
• Implementation commitment: The suite’s stated 8–12 week project timeline is substantial for teams needing a rapid launch.

Alternatives

• MX is the better starting point when a freemium model and a free account for up to 100 users matter.
• TrueLayer Data API suits teams wanting a free mock-data sandbox and production pricing based on volume and use case.
• CAMSfinserv Account Aggregator is aimed at consumer and financial-institution account-aggregator use cases.
• Lean Technologies is another paid option for Android, iOS, web, and API deployments.
• Powens fits buyers seeking custom API plans with enterprise dedicated hosting and support.
• Wealthica API is a paid, custom-quoted alternative for teams evaluating its API offering.
• Saafe Account Aggregator offers financial-institution and personal-finance tiers with per-data-call pricing for one tier.
• Stripe Financial Connections is preferable when transparent pay-as-you-go rates for balance and transaction calls are the priority.

Verdict

Choose Brankas if you need a regional open-finance foundation that combines account data, account-to-account payments, disbursements, and flexible deployment models, with implementation support available. Look elsewhere if public pricing, immediate self-service production access, or guaranteed coverage of a particular institution matters more than this breadth.