# Akoya vs GoCardless Bank Account Data (slim)

> 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.

- Full: https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md (~2,350 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.json · canonical https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data
- Index: https://www.anchorterminal.com/llms.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: D 48.3, rank #623 of 722 · https://www.anchorterminal.com/tools/akoya.min.md
- GoCardless Bank Account Data: E 41.7, rank #682 of 722 · https://www.anchorterminal.com/tools/gocardless-bank-account-data.min.md
- Akoya, 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.
- GoCardless Bank Account Data, 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.

| Category | Akoya | GoCardless Bank Account Data |
| --- | --- | --- |
| Reliability (16%) | 28 | 44 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 70 | 54 |
| Agent ergonomics (13%) | 67 | 57 |
| Security & auth (14%) | 64 | 50 |
| Payments & pricing (10%) | 10 | 10 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 33 | 3 |
| Transparency & trust (7%) | 58 | 52 |

| Fact (where they differ) | Akoya | GoCardless Bank Account Data |
| --- | --- | --- |
| Vendor | Akoya LLC | GoCardless |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://bankaccountdata.gocardless.com/api/v2` |
| Auth | OAuth | API key |
| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | MIT (client libraries, unmaintained) |
| 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) |