Atto Pricing Explained: What’s Included, What’s Not & What It Really Costs

Atto offers a modern, API-first approach to credit and risk decisioning, leveraging open banking data to provide real-time insights into customers’ financial behaviors. For UK businesses evaluating open banking providers, understanding the cost structure is crucial. However, Atto does not publicly disclose its pricing, making it challenging for finance teams to model costs or compare alternatives.

To shed light on Atto’s potential costs, we’ve analysed information from:

• Verified user feedback and developer discussions
• Pricing disclosures from comparable open banking providers in the UK and EU
• Industry-standard rates for similar services

Our goal is to help you build a realistic forecast of what you might pay when using Atto’s services.

1. Understanding Atto’s Data API Pricing Structure

Like many Open Banking data providers in the UK, it operates on a quote-based model. This means businesses receive tailored pricing after a discovery call or demo, based on use case, data depth, and monthly volumes.

To help you forecast what working with Atto could cost, we’ve analysed pricing from comparable AIS providers and feedback from teams already using these tools.

Below is a realistic range of what you might expect when pricing Atto’s core services.

Estimated Atto Pricing Indicators (Based on Market Benchmarks)

Feature or API Module	Typical Pricing Range*	Notes
Basic AIS (account access)	£0.03 – £0.10 per user/month	Includes balance checks, bank account verification
Income verification (personal)	£0.08 – £0.20 per user/month	Categorises salary, benefits, and freelance income
Affordability & spending analysis	£0.15 – £0.40 per user/month	Flags recurring costs, debt ratios, and disposable income
SME account analysis	£0.25 – £0.60 per SME/month	Used for commercial lending or invoice finance
One-time credit check (read-only pull)	£0.05 – £0.12 per session	Suitable for onboarding flows or fast KYC checks

Note: These are market-based estimates and do not reflect official Atto pricing

Considerations

• Charges scale with user volume: Whether you’re screening 100 or 100,000 applicants, most pricing models are usage-based, so accurate forecasting is key.
• Data depth affects the cost: Basic account access is cheaper, but deeper enrichment (like income categorisation or financial stress scores) pushes you into a higher pricing tier.
• Consumer vs SME access: APIs that pull from business accounts (for underwriting SMEs) are usually priced at a premium, often double or more compared to consumer data access.

📚 Guide to Open banking for UK Financial Advisors

Add-On Costs to Plan For

Even with per-user pricing in place, using a data-only Open Banking provider like Atto can come with operational and technical costs that aren’t immediately visible in the quote. These aren’t hidden fees, but they’re often underestimated during vendor selection, especially by lean teams or fast-scaling platforms.

Below are common cost areas reported by fintech product managers and dev teams integrating AIS APIs for credit, onboarding, and affordability use cases:

Additional Costs Beyond the Core API Fee

Cost Area	Estimated Range*	Why It Matters
Data enrichment tiers	+£0.05 – £0.15 per user/month	Raw transaction data often needs to be enriched with insights (e.g. income tags).
UX & front-end integration	£1,000 – £3,000/project	This is an API-first platform. You’ll need to build your own onboarding or consent journeys.
Ongoing API maintenance	£2,000 – £4,000/year	Covers updates, versioning, and token refresh workflows as the ecosystem evolves.
Support for user-side errors	Internal team time	Failed connections, expired consents, or unsupported banks often require manual follow-up.
Custom reporting / audit trails	£50 – £100/month (tooling)	If your team needs dashboards beyond the built-in UI, third-party tools may be required.

*These figures are based on benchmarks from UK AIS integrations and client reports. Actual spend may vary depending on the complexity of your stack.

Why These Costs Add Up

• You own the user journey: Since Atto provides APIs (not embeddable components), building a frictionless experience is your responsibility.
• Depth of insight = dev time: Categorising raw data into actionable insights often involves more than just plugging in an endpoint.
• Bank ecosystem volatility: Some UK banks still return inconsistent data or require workarounds, which your team may have to handle.

A Simpler, All-in-One Alternative for UK Teams

If you’re facing rising API costs, manual error handling, or fragmented Open Banking workflows, you’re not alone. While Atto provides valuable data APIs, many UK businesses find they eventually need to plug in additional providers for payments, onboarding, or reconciliation, just to complete a single customer journey.

That’s where Finexer comes in.

Finexer combines AIS-based data access with full payment capabilities, helping UK platforms handle everything from onboarding to disbursement through a single, developer-friendly API.

Whether you’re verifying income, collecting payments, or managing real-time reconciliation, Finexer is purpose-built to reduce your cost-to-integrate and go live faster.

Why finance and product teams are switching to Finexer:

Feature	Finexer
Flat, Usage-Based Pricing	Transparent monthly costs. No per-call surprises or sliding tiers.
All-In-One API	Payments, income verification, and account checks — all in one stack.
99% UK Bank Coverage	Includes both personal and business accounts across major UK banks.
Instant Bank Settlements	Most transactions complete in under 60 seconds.
Zero Setup or Cancellation Fees	Get started with no lock-ins or upfront charges.
Live in Days, Not Months	No-code dashboard + fast developer onboarding = quick deployment.
Built for UK Compliance	FCA-regulated, PSD2-compliant, and constantly updated to meet local standards.

“Our clients in the legal and accountancy sectors expect the highest standards of efficiency and security, and Finexer’s solutions help us deliver on those expectations every day,”David Kern, CEO of  VirtualSignature-ID.