ApideckTape
← Embedded Finance Index 2026/Vendor

Dateio

Provider
Transaction Enrichment

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 8 companies across 1 category.

dateio.eu ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesTransaction Enrichment
Rank#2 of 12 in Transaction Enrichment
Buyers8 companies

Claim this profile. Work at Dateio? Verify your work email to unlock the full buyer list.

Founders & story · from Dateio’s own dossier

Dateio is a Czech-origin European infrastructure company operating two products: Dateio Platform, a card-linked marketing/cashback ecosystem embedded into bank mobile apps (18 banks across DACH + CEE, 600+ retail advertisers), and Tapix, a transaction data enrichment API used by banks and fintechs (bunq, Raiffeisen Digital Bank, Arab Bank's Reflect, Swisscard). Positions itself as the largest European payment-data marketing and enrichment ecosystem after 11+ years in market.

Full dossier: Dateio’s own stack, layer by layer →
Who uses Dateio
8 companies disclose Dateio in their stack
Erste GroupKBCUniCreditNational Bank of GreeceReflect by Arab BankRaiffeisen Digital BankSwisscardTatra Banka
Buyer mix · 8 of 8 classified
Bank / National · 5Fintech / Neobank · 2Fintech / Credit Cards · 1
EU · 7MENA · 1
What the disclosures say
Erste Group
“openbankingtracker.com/embedded-finance/dateio publicly lists Erste Group as a Dateio customer (TIER 1 known_customer_listings).”
KBC
“openbankingtracker.com/embedded-finance/dateio publicly lists KBC as a Dateio customer — Dateio is a transaction enrichment provider that cleans raw bank transaction data into merchant names and categories (TIER 1 known_customer_listings).”
UniCredit
“OpenBankingTracker publicly lists UniCredit as a customer of Dateio at openbankingtracker.com/embedded-finance/dateio.”
National Bank of Greece
“openbankingtracker.com/embedded-finance/dateio publicly lists National Bank of Greece as a Dateio customer (TIER 1 known_customer_listings evidence).”
Reflect by Arab Bank
“openbankingtracker.com/embedded-finance/dateio publicly lists Reflect by Arab Bank as a Dateio customer (TIER 1 known_customer_listing).”
Raiffeisen Digital Bank
“Open Banking Tracker publicly lists Raiffeisen Digital Bank as a customer of Dateio (openbankingtracker.com/embedded-finance/dateio).”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Dateio? Claim this profile above to unlock your own full list.
Unlock the buyer map

See where Dateio’s disclosed buyers are headquartered. Represent Dateio? Claim this profile above instead — it unlocks your own map immediately.

No newsletter, no sharing your address.

Alternatives to Dateio

Other Transaction Enrichment providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

MX14 buyers →Astrada6 buyers →Spade4 buyers →Plaid3 buyers →Bud Financial2 buyers →Fidel API2 buyers →Ntropy2 buyers →Salt Edge2 buyers →
Share this rank

An embeddable badge for Dateio’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #2 of 12 in Transaction Enrichment — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/dateio?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/dateio.svg"
       alt="Ranked #2 of 12 in Transaction Enrichment — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/dateio/install" width="1" height="1" alt="" style="display:none">

Dateio — frequently asked

Which companies use Dateio?

8 companies disclose Dateio in their stack in the Embedded Finance Index 2026, including Erste Group, KBC, UniCredit, National Bank of Greece, Reflect by Arab Bank, Raiffeisen Digital Bank, Swisscard and Tatra Banka.

What does Dateio do?

Dateio is an embedded-finance provider in Transaction Enrichment. It ranks #2 of 12 Transaction Enrichment providers by disclosed buyers.

What are the alternatives to Dateio?

The most-disclosed Transaction Enrichment alternatives to Dateio are MX (14 buyers), Astrada (6 buyers), Spade (4 buyers), Plaid (3 buyers), Bud Financial (2 buyers) and Fidel API (2 buyers).

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against Dateio and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to Dateio and the other buyers it serves.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.