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Technology · head to head

Alkami vs Userpilot

Alkami logo

Alkami

Technology

Digital banking platform for United States banks and credit unions

From
On request
Rated
-
Full reviewWebsite
Userpilot logo

Userpilot

Technology

Product analytics and in-app onboarding platform.

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Userpilot has a free tier, so it costs nothing to try first.
  • Each has a real cost: Alkami pricing is per registered user with contractual minimums, so institutions with many enrolled but dormant users pay for accounts that never log in.; Userpilot starter tier limited to 2,000 monthly active users; even small-to-medium products may require Growth tier
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Alkami and Userpilot actually diverge.

Attributes where Alkami and Userpilot differ
AttributeAlkamiUserpilot
Starting priceOn requestFree
Pricing modelquotesubscription
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, iOS, Android, API

Identical on both: user rating (Not yet rated), category (Technology).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Alkami

  • Retail digital banking
  • Business banking
  • Digital account opening
  • Payments and money movement
  • Data and marketing
  • Extensibility framework
  • Card controls
  • Multi core integration

Only in Userpilot

Nothing recorded that Alkami does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Alkami

  • A credit union replacing the weak digital banking bundled with its core contractnot Userpilot
  • A community bank that needs commercial entitlements and approvals its core vendor does not providenot Userpilot
  • An institution wanting digital account opening and digital banking from one vendor after the MANTL acquisitionnot Userpilot
  • A bank competing for deposits online and needing an onboarding funnel that works on mobilenot Userpilot

Userpilot

  • SaaS companies optimising user onboarding and activationnot Alkami
  • Product teams collecting user feedback and identifying churn drivers via session replaynot Alkami
  • Customer success teams using in-app guides and contextual helpnot Alkami
  • Growth teams orchestrating multi-channel campaigns across email and in-appnot Alkami
  • Product managers measuring adoption and engagement across user cohortsnot Alkami

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Alkami

  • Pricing is per registered user with contractual minimums, so institutions with many enrolled but dormant users pay for accounts that never log in.
  • Alkami is a channel layer, not a core, so functionality is bounded by what the core exposes, and a poor core integration produces a slow product no amount of channel work fixes.
  • Implementation typically runs six to twelve months and requires institution staff time, which small credit unions consistently underestimate.
  • The MANTL acquisition adds account opening but also another integration programme, and consolidating on one vendor removes leverage to swap a weak module for a best of breed alternative.
  • Buying digital banking separately from the core vendor means you own the integration risk between two suppliers who will each blame the other when something breaks.

Userpilot

  • Starter tier limited to 2,000 monthly active users; even small-to-medium products may require Growth tier
  • Large price jump from Starter ($299/mo) to Growth ($849/mo), nearly 3x increase
  • Growth tier scales to 100,000 MAU but does not publish pricing for higher volumes, requiring Enterprise negotiation
  • Session replay and mobile engagement are optional add-ons in Growth tier, not included in base pricing
  • Enterprise pricing not published; custom negotiations required for large-scale deployments

Pricing, plan by plan

Alkami

On request
  • Alkami Digital Banking Platform$undefined/year
    • Priced per registered user per month with multi year terms
    • Minimum user commitments typical, so enrolled inactive users are still billed
    • Implementation and core integration charged separately

Userpilot

Free
  • Starter$299/month
    • Up to 2,000 monthly active users
    • In-app engagement
    • User segmentation
  • Growth$849/month (marked 'Most Popular')
    • 2,000 to 100,000 monthly active users
    • All Starter features
    • Advanced product analytics
  • Enterprise$undefined/variable
    • Custom monthly active user levels
    • All Growth features
    • Premium integrations

Which should you pick?

Choose Alkami if

  • You need retail digital banking.
  • You work on Web, iOS, Android.
  • You also want business banking.
Alkami review

Choose Userpilot if

  • You want to start without paying.
  • You work on Web, iOS, Android, API.
Userpilot review

Questions people ask

Is Alkami or Userpilot better?
Neither clearly leads. Alkami starts at On request and Userpilot at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Alkami or Userpilot?
Userpilot has a free tier; the other does not. Paid plans start at On request for Alkami and Free for Userpilot.
Does Alkami or Userpilot run on more platforms?
Alkami runs on Web, iOS, Android. Userpilot runs on Web, iOS, Android, API.
Can I use Userpilot for free?
Yes. Userpilot has a free tier, so you can try it without paying. Alkami starts at On request.
What is Alkami best used for?
Alkami is most often used for a credit union replacing the weak digital banking bundled with its core contract, a community bank that needs commercial entitlements and approvals its core vendor does not provide, an institution wanting digital account opening and digital banking from one vendor after the mantl acquisition, a bank competing for deposits online and needing an onboarding funnel that works on mobile. Of those, a credit union replacing the weak digital banking bundled with its core contract and a community bank that needs commercial entitlements and approvals its core vendor does not provide are not what Userpilot is typically brought in for.
What can Alkami do that Userpilot cannot?
Alkami covers Retail digital banking, Business banking, Digital account opening, Payments and money movement.

Answered from the vendors’ own pages

Alkami: Does Alkami replace our core?

No. It is the digital channel and account opening layer on top of a core such as Fiserv, Jack Henry or FIS.

Userpilot: What is included in the free trial?

Userpilot offers a free 14-day trial without requiring a credit card, providing full access to the Starter tier features.

Source
Alkami: How is it priced?

Per registered user per month on multi year contracts with minimums, so model your enrolled user count rather than your active user count.

Userpilot: Does Userpilot include session replay?

Session replay is available in the Growth tier as an optional add-on for watching real user sessions and identifying friction points.

Source
Alkami: What did the MANTL acquisition change?

It brought deposit account opening in house, announced February 2025 at $400 million enterprise value, so account opening and digital banking can come from one vendor.

Userpilot: What integrations does Userpilot support?

Userpilot integrates with HubSpot, Salesforce, Segment, Google Analytics, Amplitude, Mixpanel, Heap, Zendesk, Intercom and Google Tag Manager. Additional integrations can be requested.

Source
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