Self-Hosted Bank Account Aggregation in 2026: After the Nordigen Free Tier Shutdown

Short summary

GoCardless killed Nordigen's free tier in mid-2025, breaking the most popular free bank-data pipeline for self-hosted finance tools like Firefly III, Actual Budget, and Beancount. Getting your own PSD2/eIDAS certificates costs €3,000–€15,000/year, making direct bank API access impractical for individuals. The realistic path forward is using regulated AIS providers that already hold certificates and expose clean REST APIs at a few euros per month.

• •Nordigen free tier shutdown broke self-hosted finance pipelines
• •DIY PSD2 certificates cost €3K–€15K/year — not viable for hobbyists
• •Regulated AIS providers offer cert-free aggregation at reasonable personal-use pricing

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