Self-Hosters Seek Nordigen Alternatives After GoCardless Kills Free Banking API Tier

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GoCardless quietly shut down the free tier of its Nordigen Open Banking API during 2025, cutting off a widely used tool that allowed hobbyists to pull live bank transaction data into self-hosted finance apps like Firefly III and Actual Budget. Nordigen, founded in Latvia, had offered free access to over 2,300 European banks under PSD2 regulations before GoCardless acquired it in 2022 and gradually wound down the free plan. The shutdown triggered widespread disruption across self-hosted finance communities, with users flooding forums such as r/selfhosted seeking replacement solutions. The seemingly straightforward fix of obtaining direct PSD2 access proves impractical for individuals, as the required eIDAS certificates alone cost between €3,000 and €15,000 annually, plus regulatory registration fees. As a result, the recommended path for self-hosters in 2026 is to rely on third-party regulated providers that already hold the necessary certifications and offer clean APIs for personal use.

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