APIs · head to head
Prisma vs Vodeno
Vodeno
APIs
Banking-as-a-service platform running on a partner bank licence, backing NatWest's UK BaaS venture
- From
- On request
- Rated
- -
The short version
- Only Prisma has a free tier, so it costs nothing to try first.
- Each has a real cost: Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage; Vodeno its actual regulatory backing differs by geography, Aion Bank in continental Europe versus NatWest in the UK, so a customer must understand which entity and licence they are actually contracting under rather than assuming one uniform Vodeno product.
- They diverge on capability: Prisma covers ORM, Vodeno covers Core banking infrastructure.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Prisma and Vodeno actually diverge.
Identical on both: user rating (Not yet rated), category (APIs).
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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js support
Only in Vodeno
- Core banking infrastructure
- Card issuance via Mastercard
- Lending and BNPL modules
- White-label mobile apps
- Digital onboarding and compliance
- UK entity backed by NatWest
What people use each for
The jobs each tool is most often brought in to do.
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Vodeno
- Adding a managed connection pool and edge cache in front of an existing databasenot Vodeno
Vodeno
- A European retailer or e-commerce business wanting to embed savings, lending or BNPL products under its own brandnot Prisma
- A UK business wanting banking-as-a-service backed specifically by NatWest's banking technology and licencenot Prisma
- A fintech wanting white-label mobile banking app infrastructure rather than building its own from scratchnot Prisma
- A company comparing banking-as-a-service providers that want to understand which underlying bank licence actually backs the product in their marketnot Prisma
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
Vodeno
- Its actual regulatory backing differs by geography, Aion Bank in continental Europe versus NatWest in the UK, so a customer must understand which entity and licence they are actually contracting under rather than assuming one uniform Vodeno product.
- Pricing is entirely unpublished across both the European and UK businesses.
- The scale of NatWest's investment (up to roughly £120 million) signals a business still working toward profitability, with NatWest itself targeting breakeven within five years of the venture launching, which is a meaningful timeline risk for a customer building long-term infrastructure dependency on it.
- As banking-as-a-service infrastructure, any customer remains dependent on Vodeno's underlying bank partner maintaining its own licence and risk appetite, which is a layer of dependency beyond Vodeno's own commercial terms.
- Product scope, such as lending and BNPL availability, may differ between the UK and European entities, so a company operating in both markets should not assume identical capability across the two.
Pricing, plan by plan
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Vodeno
On request- Vodeno$undefined/year
- Platform licensing fee, not published
- Terms differ between the European (Aion Bank) and UK (NatWest) entities
Which should you pick?
Choose Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Choose Vodeno if
- You need core banking infrastructure.
- You work on Web, API.
- You also want card issuance via mastercard.
Questions people ask
- Is Prisma or Vodeno better?
- Neither clearly leads. Prisma starts at Free and Vodeno at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Prisma or Vodeno?
- Prisma has a free tier; the other does not. Paid plans start at Free for Prisma and On request for Vodeno.
- Does Prisma or Vodeno run on more platforms?
- Prisma runs on Node.js, TypeScript. Vodeno runs on Web, API.
- Can I use Prisma for free?
- Yes. Prisma has a free tier, so you can try it without paying. Vodeno starts at On request.
- What is Prisma best used for?
- Prisma is most often used for using a type safe orm and query layer against a postgres database, adding a managed connection pool and edge cache in front of an existing database. Of those, using a type safe orm and query layer against a postgres database and adding a managed connection pool and edge cache in front of an existing database are not what Vodeno is typically brought in for.
- What can Prisma do that Vodeno cannot?
- Prisma covers ORM, Query builder, Auto-migrations, Node.js. Vodeno covers Core banking infrastructure, Card issuance via Mastercard, Lending and BNPL modules, White-label mobile apps.
Answered from the vendors’ own pages
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceVodeno: Does Vodeno hold its own banking licence?
No, it operates through partner banks, Aion Bank in continental Europe and NatWest in the UK.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceVodeno: Is the UK business the same as the European business?
They are related but distinct entities backed by different bank partners, with different investment structures.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceVodeno: How much has NatWest invested?
A capped commitment of up to roughly £120 million into the UK entity, plus a separate roughly €58 million investment in Vodeno Group for an 18% stake.
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