Following the growth recorded at the end of 2025, Q1 2026 saw overall TPP numbers remain broadly stable across the EEA and UK. The total number of authorised Third Party Providers (TPPs) now stands at 552, a modest decrease of two from the end of Q4.
This total comprises 359 TPPs in the EEA and 193 in the UK. While the headline figures changed little during the quarter, regulatory activity continued across multiple markets, reflecting an ecosystem that remains active despite slower overall movement.
There were 16 authorisation status changes during Q1, evenly split between the EEA and UK. New permissions were granted in the UK, Bulgaria, Latvia and Slovenia, while withdrawals occurred across the UK, Germany, Finland, Poland and the Netherlands.
Passporting activity also remained resilient, with the average number of passported-in TPPs per EEA market holding steady at 154, unchanged from the end of Q4. This continued stability reinforces the scale and interconnectedness of Europe’s open banking ecosystem.
TPP Tracker Country Breakdown
Q1 2026 Highlights (EEA)
- France now has the highest number of home-regulated TPPs (31), overtaking Germany following the withdrawal of two German-regulated providers. Germany (30) and Sweden (28) remain close behind.
- Italy continues to lead in passported-in TPPs, with 176 providers authorised to operate into the market. Germany retains second place at 174, underlining the continued importance of cross-border activity across Europe’s largest markets.
- New regulatory approvals were recorded across three EEA markets this quarter: Bulgaria (1), Latvia (1) and Slovenia (1).
- Conversely, withdrawals were recorded in Germany (2), Finland (1), the Netherlands (1) and Poland (1).
- Liechtenstein is now the only EEA market without a home-regulated TPP. However, it continues to attract significant non-domestic TPPs.
- Passporting activity remained resilient during Q1, with each EEA market hosting an average of 154 passported-in TPPs, unchanged from the end of Q4.
- Germany remains the largest overall EEA market, despite a slight decline this quarter, with 204 total authorised TPPs. Italy (198), the Netherlands (192), France (190) and Sweden (190) continue to demonstrate the scale and maturity of Europe’s leading open banking ecosystems.
Increase in TPPs Passporting Services
Top 10 EEA Markets (by Total TPPs)
TPPs (61.6%) in the EEA passport their open banking services outside their domestic market
Average number of passported-in TPPs hosted per EEA market
Of TPPs in each EEA market are regulated by an NCA from another country
Of EEA countries now have more than 150 authorised open banking TPPs
The top countries by TPP (EEA)
Country Spotlight
Reflections from Our CEO
"While Q1 saw relatively little movement in overall TPP numbers, the ecosystem’s underlying structure remains highly interconnected. More than 61% of EEA-regulated TPPs are authorised to passport their services across borders, reinforcing how deeply embedded cross-border access has become within European open banking.
What’s particularly notable is the consistency of these permissions. Passporting levels have remained resilient despite slower growth in headline numbers, highlighting that providers continue to prioritise scale and geographic reach as part of their long-term strategy.
As Europe moves closer towards PSD3, PSR and ultimately FiDA, understanding who is accessing data - and under what permissions - will become even more important. The ecosystem may appear to show little movement on the surface, but the complexity behind it continues to grow.
In this environment, real-time oversight and continuous permission verification remain essential to maintaining trust, security and confidence across an increasingly connected financial landscape."
