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Cybersecurity · head to head

Signicat vs Trulioo

Signicat logo

Signicat

Cybersecurity

European digital identity hub connecting national eID schemes

From
On request
Rated
-
Trulioo logo

Trulioo

Cybersecurity

Identity and business verification against national data sources in nearly 200 countries

From
On request
Rated
-

The short version

  • Each has a real cost: Signicat national eID scheme fees are passed through on top of Signicat's own charge, so a single-country business almost always pays less by integrating with the scheme directly.; Trulioo per-check rates vary widely by country and data source, so a blended average from the sales conversation misleads if your volume concentrates in expensive markets.
  • They diverge on capability: Signicat covers eID scheme brokering, Trulioo covers Person match.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Signicat and Trulioo actually diverge.

Attributes where Signicat and Trulioo differ
AttributeSignicatTrulioo
PlatformsWeb, iOS, AndroidWeb, API

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (Cybersecurity).

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 Signicat

  • eID scheme brokering
  • Qualified electronic signatures
  • Document verification
  • AML screening
  • Authentication
  • Digital onboarding flows
  • eIDAS compliance

Only in Trulioo

  • Person match
  • Business verification
  • Watchlist screening
  • Document and biometric
  • Single API
  • Workflow orchestration

What people use each for

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

Signicat

  • A lender expanding from Norway into Sweden, Denmark and the Netherlands without four separate eID integrationsnot Trulioo
  • An insurer needing eIDAS qualified signatures on policy documents that will hold up in a European courtnot Trulioo
  • A bank that wants customers to onboard with their existing national bank ID rather than photographing a passportnot Trulioo
  • A public sector body needing cross-border recognition of notified eID schemes under eIDASnot Trulioo

Trulioo

  • A payments firm onboarding across dozens of countries where building a data-source integration per market is impracticalnot Signicat
  • A marketplace verifying business sellers and needing beneficial ownership rather than just a company numbernot Signicat
  • A fintech wanting a cheap frictionless first check and reserving document scanning for the minority that fail itnot Signicat
  • A bank expanding into a market where document upload completion rates are poor and registry matching works betternot Signicat

Where each one falls short

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

Signicat

  • National eID scheme fees are passed through on top of Signicat's own charge, so a single-country business almost always pays less by integrating with the scheme directly.
  • Value is concentrated in Northern and Western Europe, and coverage in Southern and Eastern Europe is thinner, so a pan-European rollout still hits gaps requiring document fallback.
  • Pricing is per transaction and quoted, and because scheme rates vary by country the cost per onboarded customer differs materially between markets in ways that complicate unit economics.
  • Each eID scheme connection typically carries its own setup fee and approval process, so adding a country is a project with a lead time rather than a configuration change.
  • Availability is tied to the national schemes, meaning an outage at BankID or MitID stops your onboarding entirely and there is no vendor-side mitigation for it.

Trulioo

  • Per-check rates vary widely by country and data source, so a blended average from the sales conversation misleads if your volume concentrates in expensive markets.
  • Coverage breadth is real but depth is uneven; a country on the map may be served by one thin source with low match rates, which you only discover in a live test.
  • You are charged per query including no-match results, so a market with poor source coverage burns budget producing nothing usable.
  • Because it aggregates third-party data, data residency and consent handling depend on the underlying provider terms, which complicates GDPR assessments in some jurisdictions.
  • Document and biometric capability is competent but not the strongest in the market, so buyers whose primary need is document fraud detection usually pair it with a specialist.

Pricing, plan by plan

Signicat

On request
  • Signicat Platform$undefined/year
    • Priced per transaction with national scheme fees passed through
    • Signature and verification products licensed separately
    • Setup fee per eID scheme connected

Trulioo

On request
  • Trulioo Platform$undefined/year
    • Priced per check with rates varying by country and data source
    • Person, business and watchlist checks charged separately
    • Volume commitment negotiated annually

Which should you pick?

Choose Signicat if

  • You need eid scheme brokering.
  • You work on Web, iOS, Android.
  • You also want qualified electronic signatures.

Choose Trulioo if

  • You need person match.
  • You work on Web, API.
  • You also want business verification.

Questions people ask

Is Signicat or Trulioo better?
Neither clearly leads. Signicat starts at On request and Trulioo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Signicat or Trulioo?
Signicat starts at On request and Trulioo at On request.
Does Signicat or Trulioo run on more platforms?
Signicat runs on Web, iOS, Android. Trulioo runs on Web, API.
What is Signicat best used for?
Signicat is most often used for a lender expanding from norway into sweden, denmark and the netherlands without four separate eid integrations, an insurer needing eidas qualified signatures on policy documents that will hold up in a european court, a bank that wants customers to onboard with their existing national bank id rather than photographing a passport, a public sector body needing cross-border recognition of notified eid schemes under eidas. Of those, a lender expanding from norway into sweden, denmark and the netherlands without four separate eid integrations and an insurer needing eidas qualified signatures on policy documents that will hold up in a european court are not what Trulioo is typically brought in for.
What can Signicat do that Trulioo cannot?
Signicat covers eID scheme brokering, Qualified electronic signatures, Document verification, AML screening. Trulioo covers Person match, Business verification, Watchlist screening, Document and biometric.

Answered from the vendors’ own pages

Signicat: Is this an alternative to a document verification vendor?

Only where national eID exists. In markets with a mature bank ID scheme it is better; elsewhere you fall back to document checks, which Signicat also provides.

Trulioo: Does it need a document?

Not for the core product. Data-source matching uses name, address and date of birth, which is why completion rates are higher than document flows.

Signicat: Do we still pay the eID schemes?

Yes. Scheme fees are passed through in addition to Signicat charges. Ask for the split when comparing to a direct integration.

Trulioo: Are unmatched queries billed?

Yes, in general you pay per query rather than per successful match. Negotiate this explicitly if you are entering markets with thin coverage.

Signicat: Are signatures legally qualified?

Signicat supports eIDAS qualified electronic signatures, which carry the highest legal standing in the EU, as well as advanced signatures.

Trulioo: Can it verify companies as well as people?

Yes. Business verification including beneficial ownership is a distinct product line and a common reason to choose Trulioo over document-first vendors.

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