# Best open banking and bank data APIs for AI agents (slim)

> Plaid (B), Belvo (B) and MX Platform API (B) lead the 15 ranked open banking and bank data APIs. Picks by need, strengths, weaknesses and prices from the Anchor benchmark.

- Full: https://www.anchorterminal.com/best/banking-data/index.md (~5,600 tokens) · this version ~1,230 tokens · JSON https://www.anchorterminal.com/best/banking-data/index.json · canonical https://www.anchorterminal.com/best/banking-data/
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

The 10 highest-scoring of 15 open banking and bank data APIs on the Anchor benchmark, with a pick for each need and where each one falls short. Scores come from public evidence, re-checked as vendors change.

- Ranked: 15 · agent-ready (BB or better): 0 · accept x402: 0 · hosted endpoints: 13
- Full ranked table: https://www.anchorterminal.com/categories/banking-data.md
- Head-to-head comparisons: https://www.anchorterminal.com/compare/banking-data/index.md (105)
- Methodology: https://www.anchorterminal.com/benchmark/index.md

## The shortlist

| # | Tool | Grade | Score | Best for | Price | Where |
| --- | --- | --- | --- | --- | --- | --- |
| 1 | [Plaid](https://www.anchorterminal.com/tools/plaid.md) | B | 69.8 | US and Canadian account, transaction, identity and income data, with Transfer for payments. | Paid | hosted and local |
| 2 | [Belvo](https://www.anchorterminal.com/tools/belvo.md) | B | 63.5 | Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract. | $1000 / mo | hosted |
| 3 | [MX Platform API](https://www.anchorterminal.com/tools/mx.md) | B | 62.5 | A US or Canadian bank, credit union or fintech with a signed MX contract that wants aggregation, verification and categorised transactions plus embeddable finance widgets. | Paid | hosted |
| 4 | [Tink](https://www.anchorterminal.com/tools/tink.md) | B | 62.5 | A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences. | Paid | hosted |
| 5 | [TrueLayer](https://www.anchorterminal.com/tools/truelayer.md) | B | 62.1 | UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1. | Paid | hosted |
| 6 | [Basiq](https://www.anchorterminal.com/tools/basiq.md) | C | 60.4 | Consented bank data for Australia and New Zealand, with income and affordability reports for lenders. | Paid | hosted |
| 7 | [Yapily](https://www.anchorterminal.com/tools/yapily.md) | C | 57.6 | UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch. | Paid | hosted |
| 8 | [Flinks](https://www.anchorterminal.com/tools/flinks.md) | D | 52.7 | A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments. | Paid | local |
| 9 | [Akoya](https://www.anchorterminal.com/tools/akoya.md) | D | 48.3 | A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review. | Paid | hosted |
| 10 | [Enable Banking](https://www.anchorterminal.com/tools/enable-banking.md) | D | 47.1 | EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts. | Paid | hosted |

## Picks by need

- Highest score overall: [Plaid](https://www.anchorterminal.com/tools/plaid.md), B, 69.8/100 on the benchmark. Also [Belvo](https://www.anchorterminal.com/tools/belvo.md), B, 63.5/100.
- Reliability: [Belvo](https://www.anchorterminal.com/tools/belvo.md), 84/100 on reliability, against 68 for the overall leader.
- Transparency & trust: [Tink](https://www.anchorterminal.com/tools/tink.md), 90/100 on transparency & trust, against 79 for the overall leader.

## How to choose

- Country and bank coverage: Check which countries and institutions the connection covers, since an agent serving a market the service does not reach will have no accounts to read.
- Consent flow and revocation: Check how consent is granted and what revocation does to stored data, since an agent must stop reading an account when the person withdraws access.
- Data freshness and categories: Check how often transactions refresh and how well they are categorised, since an agent summarising spending depends on both being current and accurate.
- Price per connection: Compare the price per connection and what counts as one, since an agent that reconnects a user often can cost far more than the headline rate suggests.

- How the benchmark tests this category: A sandbox user connects an account, the agent reads balances and categorised transactions, and the consent is revoked. We check coverage, the consent flow, data quality and what revocation does.

Each listing's verdict, strengths and weaknesses: https://www.anchorterminal.com/best/banking-data/index.md