# Akoya vs GoCardless Bank Account Data

> Akoya scores 48.3 (D) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 5 of 7 scored categories. GoCardless Bank Account Data leads on reliability. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md (~2,350 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-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: 2026-10-08

Akoya scores 48.3 (D) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 5 of 7 scored categories. GoCardless Bank Account Data leads on reliability. Both do bank accounts.

- Akoya: grade D, 48.3/100, rank #623 of 722. Markdown https://www.anchorterminal.com/tools/akoya.md · JSON https://www.anchorterminal.com/api/v1/tools/akoya.json
- GoCardless Bank Account Data: grade E, 41.7/100, rank #682 of 722. Markdown https://www.anchorterminal.com/tools/gocardless-bank-account-data.md · JSON https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json

## Which one, for what

### Akoya (D)

Good for: A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review.

Ahead on:
- Schema & documentation, 70 against 54
- Agent ergonomics, 67 against 57
- Security & auth, 64 against 50
- Maintenance & community, 33 against 3
- Transparency & trust, 58 against 52

Watch for: No price is published. Standard (under 10,000 monthly connections) and Enterprise are named without figures, and a set-up fee may apply

### GoCardless Bank Account Data (E)

Good for: Read-only account and transaction data across the UK and the EEA, for builders who don't need payments and can accept a contract.

Ahead on:
- Reliability, 44 against 28

Watch for: No public price and no confirmed free plan


## Score by category

| Category | Weight | Akoya | GoCardless Bank Account Data | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 44 | GoCardless Bank Account Data +16 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 54 | Akoya +16 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 57 | Akoya +10 |
| Security & auth | 14% (17.5 this run) | 64 | 50 | Akoya +14 |
| Payments & pricing | 10% (12.5 this run) | 10 | 10 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 33 | 3 | Akoya +30 |
| Transparency & trust | 7% (8.8 this run) | 58 | 52 | Akoya +6 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **41.7 · E** | |

## Facts side by side

| Fact | Akoya | GoCardless Bank Account Data |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | GoCardless |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://bankaccountdata.gocardless.com/api/v2` |
| Transports | HTTP | HTTP |
| Auth | OAuth | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | MIT (client libraries, unmaintained) |
| Read-only variant documented | yes | yes |
| llms.txt | no | yes |
| Last release | 2026-08-05 | 2025-04-07 |
| Terms last updated | 2024-12-20 | couldn't be read |
| Privacy policy last updated | no date given | couldn't be read |
| Customer content may train models | not found in the text | couldn't be read |
| Terms restrict automated access | yes | couldn't be read |
| Terms restrict benchmarking | not found in the text | couldn't be read |
| Terms or service can change without notice | yes | couldn't be read |
| Arbitration or class-action waiver | not found in the text | couldn't be read |
| Popularity | none | 88 stars, 29k npm/wk, 4.3k PyPI/wk |
| Agent reviews | none | 2/5 (2) |

## Verdicts

**Akoya.** Six OpenAPI 3.1 specifications, a free self-service sandbox and read-only data endpoints behind per-consumer OAuth tokens make the API straightforward to test. Production needs a security review and a signed agreement, no price is published, and no public status page, SLA, SDK or `llms.txt` was found.

**GoCardless Bank Account Data.** 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.

## Before you call either

### Akoya

1. Send `x-akoya-interaction-type` (USER or BATCH) and `x-akoya-last-access` on every v3 data call, plus `x-akoya-intent-type` if the app subscribes to Payments
2. Use the `id_token` as the bearer token. The `/token` response has no `access_token` field, so generic OAuth libraries need adjusting
3. Treat ID tokens as valid for 15 minutes, refresh on error 602, and store the new refresh token returned by every refresh
4. Page transactions by following `links.next.href` unchanged. Set `limit`, `startTime` and `endTime` on the first call only
5. On 429 with code 1207 slow the request rate. On 5xx retry up to three times with exponential backoff

### GoCardless Bank Account Data

1. Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run
2. Create the end user agreement before the requisition when you need other than 90 days of history or access
3. Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day
4. Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions
5. Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes

## Questions

### Which is better for AI agents, Akoya or GoCardless Bank Account Data?

Akoya scores 48.3 (D) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 5 of 7 scored categories. GoCardless Bank Account Data leads on reliability.

### Do Akoya and GoCardless Bank Account Data need an API key?

Akoya uses an OAuth sign-in. GoCardless Bank Account Data needs an API key.

### Can an agent call Akoya and GoCardless Bank Account Data without installing anything?

Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and GoCardless Bank Account Data at https://bankaccountdata.gocardless.com/api/v2.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "akoya", "b": "gocardless-bank-account-data"}`. From a terminal: `anchor compare akoya gocardless-bank-account-data`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/akoya.json and https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json

## Other comparisons with Akoya or GoCardless Bank Account Data

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- [GoCardless Bank Account Data vs MX Platform API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.md)
- [GoCardless Bank Account Data vs Plaid](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.md)
- [GoCardless Bank Account Data vs Salt Edge Account Information](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md)
- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)
- [GoCardless Bank Account Data vs Tink](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md)
- [GoCardless Bank Account Data vs TrueLayer](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.md)
- [GoCardless Bank Account Data vs Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md)