# Open banking and bank data APIs for AI agents

> 7 bank data & open banking listings ranked by the Anchor benchmark. Leader Plaid (BB). APIs that connect to a person's bank accounts with their consent to read balances and transactions, check identity and income, and start payments. Compared on country coverage, the consent flow, data freshness and price per connection.

- Canonical: https://www.anchorterminal.com/categories/banking-data
- Markdown: https://www.anchorterminal.com/categories/banking-data.md (~2,550 tokens)
- Slim: https://www.anchorterminal.com/categories/banking-data.min.md (~430 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/categories/banking-data.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-04

APIs that connect to a person's bank accounts with their consent to read balances and transactions, check identity and income, and start payments. Compared on country coverage, the consent flow, data freshness and price per connection.

- Tools ranked: 7 · agent-ready (BB or better): 1 · accept x402: 0 · hosted endpoints: 7 · desk reviews by the panel: 14
- JSON: https://www.anchorterminal.com/api/v1/tools.json (list) · https://www.anchorterminal.com/api/v1/rankings.json (ranked) · https://www.anchorterminal.com/api/v1/x402.json (payable) · https://www.anchorterminal.com/api/v1/capabilities.json (by capability)
- Grades run AA, A, BB, B, C, D, E, F · methodology: https://www.anchorterminal.com/benchmark/

- Capabilities in this category: bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent
- https://letme.dev/bank.accounts picks the top-graded tool in this list and says how to call it direct; calling through letme comes later (https://www.anchorterminal.com/letme/index.md)

## Ranking

| # | Tool | Vendor | Kind | Category | Grade | Score | Confidence | x402 | Auth | Where | Reviews | Page |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 103 | Plaid | Plaid | HTTP API | Bank data | BB | 70 | high | no | OAuth or key | hosted + local | 3.5/5 (2) | https://www.anchorterminal.com/tools/plaid.md |
| 217 | TrueLayer | TrueLayer | HTTP API | Bank data | B | 62.4 | medium | no | OAuth | hosted | 3/5 (2) | https://www.anchorterminal.com/tools/truelayer.md |
| 289 | Yapily | Yapily | HTTP API | Bank data | C | 57.8 | medium | no | API key | hosted | 2.5/5 (2) | https://www.anchorterminal.com/tools/yapily.md |
| 384 | Enable Banking | Enable Banking | HTTP API | Bank data | D | 47.3 | medium | no | OAuth or key | hosted | 3/5 (2) | https://www.anchorterminal.com/tools/enable-banking.md |
| 393 | Salt Edge Account Information | Salt Edge | HTTP API | Bank data | D | 46.9 | medium | no | API key | hosted | 2.5/5 (2) | https://www.anchorterminal.com/tools/salt-edge.md |
| 410 | Teller | Teller | HTTP API | Bank data | E | 43 | medium | no | Token | hosted | 2/5 (2) | https://www.anchorterminal.com/tools/teller.md |
| 416 | GoCardless Bank Account Data | GoCardless | HTTP API | Bank data | E | 41.9 | medium | no | API key | hosted | 2/5 (2) | https://www.anchorterminal.com/tools/gocardless-bank-account-data.md |

Scores are from public evidence against the published checklist (https://www.anchorterminal.com/benchmark/), with Performance and Task success pending. p95 latency and context cost come from our probes, which haven't run yet.

## Summaries

### 103. Plaid, BB (70)

Bank data aggregation platform covering the US, Canada, the UK and parts of Europe. Public OpenAPI file, llms.txt with about 250 entries and a Markdown twin of every docs page. No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed.

- Page: https://www.anchorterminal.com/tools/plaid · Markdown: https://www.anchorterminal.com/tools/plaid.md · JSON: https://www.anchorterminal.com/api/v1/tools/plaid.json
- Capabilities: bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent · endpoint: `https://production.plaid.com`

### 217. TrueLayer, B (62.4)

UK and EU open banking, regulated by the FCA and the Central Bank of Ireland. FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.

- Page: https://www.anchorterminal.com/tools/truelayer · Markdown: https://www.anchorterminal.com/tools/truelayer.md · JSON: https://www.anchorterminal.com/api/v1/tools/truelayer.json
- Capabilities: bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent · endpoint: `https://api.truelayer.com`

### 289. Yapily, C (57.8)

UK and EU open banking API with account information and payments across 2,000-plus banks, licensed in the UK (FCA) and Lithuania. llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form.

- Page: https://www.anchorterminal.com/tools/yapily · Markdown: https://www.anchorterminal.com/tools/yapily.md · JSON: https://www.anchorterminal.com/api/v1/tools/yapily.json
- Capabilities: bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent · endpoint: `https://api.yapily.com`

### 384. Enable Banking, D (47.3)

Finnish open banking API (FIN-FSA registered AISP) covering 2,700-plus banks in about 30 European countries, with account information and payment initiation under Enable Banking's licence or your own eIDAS certificates. Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.

- Page: https://www.anchorterminal.com/tools/enable-banking · Markdown: https://www.anchorterminal.com/tools/enable-banking.md · JSON: https://www.anchorterminal.com/api/v1/tools/enable-banking.json
- Capabilities: bank.accounts, bank.transactions, bank.payments, bank.consent · endpoint: `https://api.enablebanking.com`

### 393. Salt Edge Account Information, D (46.9)

Open banking aggregator for account data and payments across international banks. 5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.

- Page: https://www.anchorterminal.com/tools/salt-edge · Markdown: https://www.anchorterminal.com/tools/salt-edge.md · JSON: https://www.anchorterminal.com/api/v1/tools/salt-edge.json
- Capabilities: bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent · endpoint: `https://www.saltedge.com/api/v6`

### 410. Teller, E (43)

US bank data API with published per-use prices and a free tier of 100 live connections. Per-unit prices published, with a free developer tier of 100 live connections. US only.

- Page: https://www.anchorterminal.com/tools/teller · Markdown: https://www.anchorterminal.com/tools/teller.md · JSON: https://www.anchorterminal.com/api/v1/tools/teller.json
- Capabilities: bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent · endpoint: `https://api.teller.io`

### 416. GoCardless Bank Account Data, E (41.9)

The former Nordigen account information API, now sold by GoCardless. UK plus every PSD2 country, up to 24 months of history, one API shape for all of them. No public price and no confirmed free plan.

- Page: https://www.anchorterminal.com/tools/gocardless-bank-account-data · Markdown: https://www.anchorterminal.com/tools/gocardless-bank-account-data.md · JSON: https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json
- Capabilities: bank.accounts, bank.transactions, bank.consent · endpoint: `https://bankaccountdata.gocardless.com/api/v2`

## How we test 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. This test hasn't run yet, so Task success is pending and the grades here come from the categories assessed from public evidence.

## Indexed, not reviewed (10)

Sorted into this category from public catalogues, with facts and our own checks but no score, grade or rank (https://www.anchorterminal.com/indexed/index.md).

| Listing | Kind | What it does | Why it's here |
| --- | --- | --- | --- |
| [adis](https://www.anchorterminal.com/tools/cz-agents-adis.md) | MCP server | Czech VAT-payer reliability (ADIS / nespolehlivý plátce DPH) + registered bank accounts by DIČ. | vendor's own |
| [Bank Statement Sheet](https://www.anchorterminal.com/tools/bankstatementsheet-bank-statement-sheet-mcp.md) | MCP server | Convert PDF bank statements into transactions that arrive with a pass/fail reconciliation verdict. | vendor's own |
| [BankSync](https://www.anchorterminal.com/tools/banksync-mcp.md) | MCP server | Connect AI agents to bank accounts, transactions, balances, and investments. | vendor's own |
| [DeepLedger — AI staff accountant for QuickBooks](https://www.anchorterminal.com/tools/deepledger-mcp.md) | MCP server | AI staff accountant for QuickBooks: transactions, reports, receivables, payables, month-end close | vendor's own |
| [Lovie Company Formation](https://www.anchorterminal.com/tools/lovie-company-formation.md) | MCP server | Form companies, manage bank accounts, cards, invoices and more — directly from your AI coding tools. | vendor's own |
| [RightCard](https://www.anchorterminal.com/tools/rightcard-mcp.md) | MCP server | Which of your credit cards to use at any store, from verified bank data. No bank login. | vendor's own |
| [ShareSEER](https://www.anchorterminal.com/tools/shareseer-mcp.md) | MCP server | Access SEC filings, insider transactions, and financial data via the ShareSEER API. | vendor's own |
| [Tollary Agent Transaction Guard](https://www.anchorterminal.com/tools/p-e-agent-transaction-guard.md) | MCP server | Local fit-check and safe integration guidance for non-custodial Base USDC agent transactions. | vendor's own |
| [traql](https://www.anchorterminal.com/tools/traql-mcp-server.md) | MCP server | AML risk scoring for crypto addresses and transactions on Ethereum, BSC, TRON, TON, Bitcoin | vendor's own |
| [Voyager Starknet Explorer](https://www.anchorterminal.com/tools/voyager-mcp.md) | MCP server | Live Starknet explorer data: transactions, contracts, tokens, NFTs, staking | vendor's own |