Yodleevs
Plaid
Plaid: If the priority is developer experience and US consumer fintech coverage rather than long history and investment accounts
Yodlee
Long-running financial data aggregation with deep transaction history
As of 31 August 2026, Yodlee's pricing is not published; the vendor quotes on request. Yodlee is the oldest aggregator in the market and holds far longer transaction history than newer rivals, which is why wealth management and credit risk buyers still choose it. Softwr lists it under APIs. Yodlee is made by Yodlee, Inc., owned by STG, available on API, Web.
Overview
What Yodlee does
Yodlee provides financial account aggregation, transaction data, account verification and analytics. It connects to banks, brokerages, card issuers, pension and insurance providers across the United States and a number of international markets, retrieves balances, holdings and transactions, and offers enrichment and risk analytics on top. Founded in 1999, it predates the current open banking generation and its coverage of investment and held-away accounts is deeper than most competitors, which is why wealth platforms and advisers use it to build a complete client picture. The ownership change is the fact that should influence a decision. Envestnet acquired Yodlee in 2015, was itself taken private by Bain Capital and Reverence Capital in 2024, and then sold Yodlee to private equity firm STG in a transaction that closed in 2025. Envestnet retained access through a partnership. For a buyer that means the product is now a standalone private equity asset rather than a strategic component of a wealth platform, which typically implies pricing discipline, tighter cost control and a roadmap set by financial rather than platform objectives. It also removes the previous conflict where a buyer competing with Envestnet was buying data from Envestnet. The buyer is a wealth platform, a lender doing cash flow underwriting, or a financial institution needing long history. The trade offs are age and access. The legacy of a two decade old platform is visible in API design and in reliance on credential based connections in parts of the estate, which regulators and banks are actively phasing out in favour of FDX APIs. Pricing is not published and is enterprise shaped.
What people use it for
- A wealth platform that needs held-away brokerage holdings as well as bank balances to show a client their complete position
- A lender doing cash flow underwriting that needs several years of transaction history rather than the ninety days newer aggregators return
- A financial institution needing statement and tax document retrieval alongside transaction data
- A firm operating in several countries that wants one aggregator rather than a US provider plus a European one
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about Yodlee.
- Ownership has changed twice in two years, from Envestnet to Bain Capital control and then to STG in 2025, so the roadmap is now set by a financial sponsor and long term product direction is harder to rely on than it was.
- Parts of the connection estate still depend on credential based access, which banks and regulators are phasing out in favour of FDX APIs, so coverage will shift as institutions withdraw the older method and the migration is not under your control.
- The platform predates modern API design and developers consistently find the integration heavier and the data model more idiosyncratic than newer aggregators, which lengthens build time.
- Pricing is enterprise shaped with annual commitments and nothing published, so small and mid sized buyers have no anchor and cannot start without a sales cycle.
- Investment data, document retrieval and analytics are licensed on top of core aggregation, so the capabilities that justify choosing Yodlee over a cheaper rival are the ones that raise the price above it.
Cross-shopped
What people choose instead of Yodlee
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- YodleevsMX Technologies
MX Technologies: If transaction cleansing and merchant resolution matter more than history depth
- YodleevsTink
Tink: If the users are European and PSD2 regulated access is required
Pricing
What Yodlee costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Yodlee Data Platform
On request
- Priced by connected users, refresh frequency and data types
- Investment and document retrieval licensed separately from core aggregation
- Enterprise agreements with annual commitments
- Developer sandbox available without commercial terms
- No published rate card
Capabilities
Features
Account aggregation
Connects deposit, card, brokerage, pension and insurance accounts across the US and several other markets
Long transaction history
Retrieves considerably longer history than newer aggregators, which matters for underwriting and wealth reporting
Investment and holdings data
Positions, holdings and valuations from brokerages for held-away asset reporting
Account verification
Confirms ownership and account details for payment setup
Transaction enrichment
Categorisation and merchant identification on retrieved transactions
Cash flow analytics
Derived income, expense and affordability signals for credit decisions
Document retrieval
Collects statements and tax documents from connected institutions
International coverage
Connections beyond the United States, unlike most US-only aggregators
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
Who owns Yodlee now?
Private equity firm STG, which acquired it from Envestnet in a deal closing in 2025. Envestnet, itself taken private by Bain Capital and Reverence Capital in 2024, retained access through a partnership.
Why choose Yodlee over Plaid?
Longer transaction history, deeper investment and held-away account coverage, and document retrieval. Those are wealth management and underwriting requirements rather than consumer fintech ones.
Does it still use screen scraping?
Parts of the estate rely on credential based connections, which the industry is phasing out in favour of regulated APIs. Ask for direct API coverage by institution before signing.
Is pricing published?
No. It is quoted by connected users, refresh frequency and data types, with investment data and document retrieval priced separately.
Keep looking
Where to go from Yodlee
- Yodlee alternativesEvery product people weigh against it
- Yodlee pricingPlans, floors and what the tiers exclude
- Yodlee badgesWhich rules it meets, and the figure behind each
- All APIs softwareThe full category
- Best APIs softwareThe shortlist, and how it was cut
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Softwr does not host reviews and shows no star rating for Yodlee, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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