{ "data": { "a": { "slug": "basiq", "name": "Basiq", "vendor": "Basiq Pty Ltd (Cuscal Limited)", "vendorUrl": "https://www.basiq.io", "kind": "http-api", "category": "banking-data", "summary": "Basiq is an Australian open banking platform owned by Cuscal Limited. Its REST API reads accounts, transactions and identity details from Australian and New Zealand institutions with the holder's consent, and builds income, expense and affordability reports.", "url": "https://www.anchorterminal.com/tools/basiq", "markdownUrl": "https://www.anchorterminal.com/tools/basiq.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/basiq.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/basiq.json", "repo": "https://github.com/basiqio-oss/Basiq-docs", "license": "Proprietary service under the Basiq Terms of Service. The public docs repository carries no licence file, and the OpenAPI files state the licence as Commercial", "transports": [ "http", "streamable-http" ], "remoteUrl": "https://au-api.basiq.io", "packages": [], "auth": "api-key", "authNotes": "A self-serve API key from the dashboard at dashboard.basiq.io, sent verbatim (not Base64-encoded) as `Authorization: Basic \u003ckey\u003e` to `POST /token` with a `basiq-version: 3.0` header. The call returns a bearer token that lasts 60 minutes. Scope `SERVER_ACCESS` covers server calls and `CLIENT_ACCESS`, bound to one `userId`, is for the hosted Consent UI. An application can hold many named keys, each revocable, and permission sets limit a key to chosen endpoints. The docs advise rotating keys every 90 days. Dashboard logins support 2FA by text message and SAML single sign-on on request. Live Open Banking data is switched on by Basiq's customer success team after a contract. The MCP server at api.basiq.io/mcp listed its tools with no credential, and its `execute-request` tool takes API credentials as headers set in the MCP client.", "pricing": "paid", "pricingNotes": "$0.50 per user per month for customer data plus a platform access fee with no published amount, $0.25 per user per month for enrichment and from $3.00 per affordability report (https://www.basiq.io/pricing.html, checked 2026-10-09). The home page does not link that page, so the figures may be out of date. The page does not state the currency, and the Terms of Service say all amounts are in Australian dollars. A user is billable for the full month once created. Plans run for at least 12 months and volume discounts go through sales. The sandbox is free and self-serve from the dashboard, with no card mentioned, so an agent's owner can start on test data without a contract. The pricing page is not linked from the site pages we read.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the ten OpenAPI files or the pricing page (checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://api.basiq.io/docs", "llmsTxt": "https://api.basiq.io/llms.txt", "openapi": "https://raw.githubusercontent.com/basiqio-oss/Basiq-docs/refs/heads/v3.0/reference/connect.json", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.consent" ], "tags": [ "hosted", "api-key", "openapi", "llms-txt", "mcp", "webhooks", "sandbox", "australia", "new-zealand", "status-page", "closed-source" ], "lastRelease": "2026-09-30", "graded": true, "anchor": { "graded": true, "score": 60.4, "grade": "C", "agentReady": false, "rank": 515, "ranked": true, "rankOf": 950, "categoryRank": 6, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 62, "maintenance": 48, "payments": 20, "reliability": 70, "schema": 84, "security": 55, "transparency": 72 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "Ten public OpenAPI files, an llms.txt index with Markdown twins and a free self-serve sandbox let an agent start on test data. Live access needs a 12-month plan with an unpublished platform access fee, no SLA or security.txt was found, and the privacy policy says collected content may be kept indefinitely.", "bestFor": "Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.", "strengths": [ "Ten OpenAPI 3.0 files are public in the `basiqio-oss/Basiq-docs` repository, 73 operations in all, and every reference page has a Markdown twin listed in llms.txt", "The sandbox is free and self-serve from the dashboard, with a test bank named Hooli and an Open Banking flow that covers authorise, extend, refresh and revoke", "API keys are created, named and revoked in the dashboard, permission sets limit a key to chosen endpoints, and access tokens expire after 60 minutes", "The CDR Policy names the outsourced service providers and says data is stored in AWS data centres in Sydney and Melbourne", "Error bodies carry a `correlationId`, a string `code`, a `title`, a `detail` and a `source` pointer, with the codes listed by HTTP status in the docs" ], "weaknesses": [ "Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published", "No SLA was found, and the Terms of Service say Basiq does not warrant uninterrupted service", "The privacy policy says collected content may be retained indefinitely after an account ends, while the docs security page says data is deleted at once", "No security.txt, disclosure policy or bug bounty was found, and the accreditation logos on the data security page carry no text", "No idempotency keys or `Retry-After` header are documented, and no official SDK is published. The docs say to generate one from the OpenAPI files" ], "agentNotes": [ "Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.", "Send `basiq-version: 3.0` on the token request, cache the bearer token for its 60 minutes, and stay under 1,500 token requests per 5 minutes.", "Send the account holder through the hosted Consent UI in a browser with a `CLIENT_ACCESS` token bound to their `userId`. The API alone cannot create a first connection on version 3.0.", "Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.", "Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 60.4 } ], "editorialScores": { "ergonomics": 62, "maintenance": 48, "payments": 20, "reliability": 70, "schema": 84, "security": 55, "transparency": 61 }, "provenanceScore": 83 }, "connect": { "http": "curl --location --request POST 'https://au-api.basiq.io/token' \\\n --header 'Authorization: Basic $YOUR_API_KEY' \\\n --header 'Content-Type: application/x-www-form-urlencoded' \\\n --header 'basiq-version: 3.0' \\\n --data-urlencode 'scope=SERVER_ACCESS'", "config": { "mcpServers": { "basiq": { "url": "https://api.basiq.io/mcp" } } } }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/basiq" }, "area": "domain-data", "provenance": { "legalEntity": "Basiq Pty Ltd", "domain": "basiq.io", "domainRegistered": "2015-10-08", "endpointOnVendorDomain": true, "terms": "https://docs.basiq.io/en/articles/415750-basiq-terms-of-service", "privacy": "https://docs.basiq.io/en/articles/382581-basiq-privacy-policy", "statusPage": "https://status.basiq.io", "changelog": "https://api.basiq.io/changelog", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The site footer names Basiq Pty Ltd, ABN 95 616 592 011, a wholly owned but non-guaranteed subsidiary of Cuscal Limited, ABN 95 087 822 455, and gives the Consumer Data Right accreditation number ADRBNK000208.", "The terms link is the Basiq Terms of Service, dated 27 August 2025 on the help centre, which govern the platform, SDK and APIs and carry the SDK licence as Schedule 1.", "The privacy link is the Basiq Privacy Policy, dated 4 November 2025. A separate Consumer Data Right (CDR) Policy, dated 8 September 2026, covers data received under that regime.", "The API answers at au-api.basiq.io, the docs and MCP server at api.basiq.io, the Consent UI at consent.basiq.io and the dashboard at dashboard.basiq.io, all under basiq.io.", "www.basiq.io/.well-known/security.txt returns 404, and www.basiq.io has no robots.txt.", "status.basiq.io runs on Atlassian Statuspage. Its robots.txt disallows `/api/`, so the record was read from the page and the Atom feed it links.", "The registry's RDAP record gives 2015-10-08 as the registration date of basiq.io and Name.com, Inc. as registrar. The privacy policy gives PO Box Q279, Queen Victoria Building NSW 1230." ], "score": 83 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/basiq.json", "live": { "slug": "basiq", "probe": { "target": "https://au-api.basiq.io", "method": "get", "lastAt": "2026-10-10T02:07:02.166742186Z", "lastOk": true, "lastStatus": 200, "lastMs": 841, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 849, "p95ms24h": 941, "samples24h": 107, "samples30d": 107, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 22, "ok": 22 } ] }, "vendorStatus": { "page": "https://status.basiq.io", "indicator": "minor", "summary": "Minor Service Outage", "checkedAt": "2026-10-10T02:05:39.894332157Z" }, "versions": [ { "registry": "github", "name": "basiqio-oss/Basiq-docs", "version": "v3.0.8", "released": "2026-07-16", "seenAt": "2026-10-09T16:42:41.939603853Z" } ], "githubStars": 5, "pages": [ { "url": "https://api.basiq.io/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:32:31.512737613Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7ea5161f947f" }, { "url": "https://www.basiq.io/pricing.html", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:48:29.43933836Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "1c9866bc1634" }, { "url": "https://docs.basiq.io/en/articles/382581-basiq-privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:36:36.227093441Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "af5c5eabea79" }, { "url": "https://docs.basiq.io/en/articles/415750-basiq-terms-of-service", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:36:38.602578211Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2bce9aa59c11" } ], "updatedAt": "2026-10-10T02:07:02.166742186Z" } }, "answer": "Basiq scores 60.4 (C) on agent readiness against Enable Banking's 47.1 (D), and leads in 4 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community.", "b": { "slug": "enable-banking", "name": "Enable Banking", "vendor": "Enable Banking", "vendorUrl": "https://enablebanking.com", "kind": "http-api", "category": "banking-data", "summary": "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.", "url": "https://www.anchorterminal.com/tools/enable-banking", "markdownUrl": "https://www.anchorterminal.com/tools/enable-banking.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/enable-banking.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/enable-banking.json", "repo": "https://github.com/enablebanking/enablebanking-api-samples", "license": "Apache-2.0 (code samples)", "transports": [ "http" ], "remoteUrl": "https://api.enablebanking.com", "packages": [], "auth": "mixed", "authNotes": "Mint an RS256 JWT with the application's private key (kid is the application id, iss enablebanking.com, aud api.enablebanking.com, at most 24 hours) and send it as a Bearer token. The end user authorises at the bank through POST /auth, and the returned code becomes a session with POST /sessions. No client secret: the private key is the credential, so keep it in a secret store.", "pricing": "paid", "pricingNotes": "Volume-based on the number of accounts accessed and payments made a month, with a minimum monthly invoice that includes a quota of accounts and payments; figures on request from info@enablebanking.com (https://enablebanking.com/docs/faq/). You can create an account and use both the sandbox and production before signing a contract; a production application stays pending until the contract is done or you whitelist your own accounts, which activates it in restricted mode for those accounts only (https://enablebanking.com/docs/api/). Payment initiation in production is only switched on for companies holding a PISP licence.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://enablebanking.com/docs/api/reference/", "capabilities": [ "bank.accounts", "bank.transactions", "bank.payments", "bank.consent" ], "tags": [ "hosted", "eu", "closed-source", "enterprise" ], "lastRelease": "2026-09-09", "graded": true, "anchor": { "graded": true, "score": 47.1, "grade": "D", "agentReady": false, "rank": 837, "ranked": true, "rankOf": 950, "categoryRank": 10, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 67, "payments": 20, "reliability": 33, "schema": 54, "security": 47, "transparency": 49 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.", "bestFor": "EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.", "strengths": [ "Restricted mode gives live data for your own whitelisted accounts before any contract", "Private-key JWT auth, at most 24 hours, with no shared secret on the wire", "continuation_key pagination with date and status filters on transactions", "DELETE /sessions closes the bank consent where the bank allows", "Monthly changelog posts, the newest on 9 September 2026" ], "weaknesses": [ "No public prices and a minimum monthly invoice", "No public status page; bank disruptions sit behind the Control Panel login", "No OpenAPI file, llms.txt or official SDK, only samples", "No public terms, security.txt, disclosure policy or certification found", "No idempotency guidance for payments" ], "agentNotes": [ "Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions", "Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours", "Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner", "On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap", "Follow continuation_key until it's absent to get every transaction" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 47.1 } ], "editorialScores": { "ergonomics": 67, "maintenance": 67, "payments": 20, "reliability": 33, "schema": 54, "security": 47, "transparency": 35 }, "provenanceScore": 63 }, "connect": { "http": "curl \"https://api.enablebanking.com/aspsps?country=FI\" -H \"Authorization: Bearer $ENABLE_BANKING_JWT\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/enable-banking" }, "area": "domain-data", "provenance": { "legalEntity": "Enable Banking", "domain": "enablebanking.com", "domainRegistered": "2018-04-23", "endpointOnVendorDomain": true, "terms": "", "privacy": "https://enablebanking.com/privacy-policy", "statusPage": "", "changelog": "https://enablebanking.com/blog", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "The home page describes the company as a registered Account Information Service Provider regulated by the Finnish Financial Supervisory Authority (FIN-FSA). The privacy policy page renders only with JavaScript, so we couldn't read the registered company name or business ID from it.", "No terms of service page was found; the FAQ refers to a contract agreed by email.", "The blog carries monthly changelog posts; there's no status page we could find.", "rdap.org returned 403; the registration date is from Verisign's RDAP server." ], "score": 63 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/enable-banking.json", "live": { "slug": "enable-banking", "probe": { "target": "https://api.enablebanking.com", "method": "get", "lastAt": "2026-10-10T02:07:07.985029915Z", "lastOk": true, "lastStatus": 200, "lastMs": 482, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 489, "p95ms24h": 1421, "samples24h": 250, "samples30d": 2256, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 22, "ok": 22 } ] }, "githubStars": 68, "securityTxt": { "url": "https://enablebanking.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:39:33.442342475Z" }, "domain": { "domain": "enablebanking.com", "registered": "2018-04-23", "source": "https://rdap.verisign.com/com/v1/domain/enablebanking.com", "checkedAt": "2026-10-04T13:08:31.314512732Z" }, "pages": [ { "url": "https://enablebanking.com/blog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:39:05.561904767Z", "changedAt": "2026-10-06T16:09:01.737626783Z", "fingerprint": "d419c552d2ca" }, { "url": "https://enablebanking.com/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:39:07.845207966Z", "changedAt": "2026-10-09T18:39:07.845207966Z", "fingerprint": "1209d2b9266c" } ], "updatedAt": "2026-10-10T02:07:07.985029915Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Basiq Pty Ltd (Cuscal Limited)", "b": "Enable Banking", "name": "Vendor" }, { "a": "https://au-api.basiq.io", "b": "https://api.enablebanking.com", "name": "Hosted endpoint" }, { "a": "HTTP, Streamable HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth or key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under the Basiq Terms of Service. The public docs repository carries no licence file, and the OpenAPI files state the licence as Commercial", "b": "Apache-2.0 (code samples)", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "no", "name": "llms.txt" }, { "a": "2026-09-30", "b": "2026-09-09", "name": "Last release" }, { "a": "no date given", "b": "no document linked", "name": "Terms last updated" }, { "a": "no date given", "b": "couldn't be read", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "", "name": "Terms restrict automated access" }, { "a": "yes", "b": "", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "3/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Basiq scores 60.4 (C) on agent readiness against Enable Banking's 47.1 (D), and leads in 4 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community.", "question": "Which is better for AI agents, Basiq or Enable Banking?" }, { "answer": "Basiq needs an API key. Enable Banking takes an API key or an OAuth sign-in.", "question": "Do Basiq and Enable Banking need an API key?" }, { "answer": "Yes. Basiq has a hosted endpoint at https://au-api.basiq.io and Enable Banking at https://api.enablebanking.com.", "question": "Can an agent call Basiq and Enable Banking without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 70 against 33", "Schema \u0026 documentation, 84 against 54", "Security \u0026 auth, 55 against 47", "Transparency \u0026 trust, 72 against 49" ], "also": null, "goodFor": "Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.", "slug": "basiq", "watchFor": "Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published" }, { "aheadOn": [ "Agent ergonomics, 67 against 62", "Maintenance \u0026 community, 67 against 48" ], "also": null, "goodFor": "EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.", "slug": "enable-banking", "watchFor": "No public prices and a minimum monthly invoice" } ], "job": { "capability": "bank.accounts", "name": "Bank account data" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-basiq.json", "title": "Akoya vs Basiq", "url": "https://www.anchorterminal.com/compare/akoya-vs-basiq" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-enable-banking.json", "title": "Akoya vs Enable Banking", "url": "https://www.anchorterminal.com/compare/akoya-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-belvo.json", "title": "Basiq vs Belvo", "url": "https://www.anchorterminal.com/compare/basiq-vs-belvo" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-flinks.json", "title": "Basiq vs Flinks", "url": "https://www.anchorterminal.com/compare/basiq-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.json", "title": "Basiq vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-mx.json", "title": "Basiq vs MX Platform API", "url": "https://www.anchorterminal.com/compare/basiq-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-plaid.json", "title": "Basiq vs Plaid", "url": "https://www.anchorterminal.com/compare/basiq-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-powens.json", "title": "Basiq vs Powens", "url": "https://www.anchorterminal.com/compare/basiq-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge.json", "title": "Basiq vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-teller.json", "title": "Basiq vs Teller", "url": "https://www.anchorterminal.com/compare/basiq-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-tink.json", "title": "Basiq vs Tink", "url": "https://www.anchorterminal.com/compare/basiq-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-truelayer.json", "title": "Basiq vs TrueLayer", "url": "https://www.anchorterminal.com/compare/basiq-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-yapily.json", "title": "Basiq vs Yapily", "url": "https://www.anchorterminal.com/compare/basiq-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.json", "title": "Basiq vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-enable-banking.json", "title": "Belvo vs Enable Banking", "url": "https://www.anchorterminal.com/compare/belvo-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks.json", "title": "Enable Banking vs Flinks", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.json", "title": "Enable Banking vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-mx.json", "title": "Enable Banking vs MX Platform API", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-plaid.json", "title": "Enable Banking vs Plaid", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-powens.json", "title": "Enable Banking vs Powens", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.json", "title": "Enable Banking vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-teller.json", "title": "Enable Banking vs Teller", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-tink.json", "title": "Enable Banking vs Tink", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.json", "title": "Enable Banking vs TrueLayer", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yapily.json", "title": "Enable Banking vs Yapily", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.json", "title": "Enable Banking vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data" } ], "scores": [ { "basiq": 70, "by": 37, "edge": "basiq", "enable-banking": 33, "key": "reliability", "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "basiq": 84, "by": 30, "edge": "basiq", "enable-banking": 54, "key": "schema", "name": "Schema \u0026 documentation", "weight": 13 }, { "basiq": 62, "by": 5, "edge": "enable-banking", "enable-banking": 67, "key": "ergonomics", "name": "Agent ergonomics", "weight": 13 }, { "basiq": 55, "by": 8, "edge": "basiq", "enable-banking": 47, "key": "security", "name": "Security \u0026 auth", "weight": 14 }, { "basiq": 20, "by": 0, "edge": "", "enable-banking": 20, "key": "payments", "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "basiq": 48, "by": 19, "edge": "enable-banking", "enable-banking": 67, "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7 }, { "basiq": 72, "by": 23, "edge": "basiq", "enable-banking": 49, "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "Basiq scores 60.4 (C) on agent readiness against Enable Banking's 47.1 (D), and leads in 4 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community. Both do bank account data.", "verdicts": { "basiq": "Ten public OpenAPI files, an llms.txt index with Markdown twins and a free self-serve sandbox let an agent start on test data. Live access needs a 12-month plan with an unpublished platform access fee, no SLA or security.txt was found, and the privacy policy says collected content may be kept indefinitely.", "enable-banking": "Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking", "json": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking.md", "slim": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking.min.md" }, "markdown": "Basiq scores 60.4 (C) on agent readiness against Enable Banking's 47.1 (D), and leads in 4 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community. Both do bank account data.\n\n- Basiq: grade C, 60.4/100, rank #515 of 950. Markdown https://www.anchorterminal.com/tools/basiq.md · JSON https://www.anchorterminal.com/api/v1/tools/basiq.json\n- Enable Banking: grade D, 47.1/100, rank #837 of 950. Markdown https://www.anchorterminal.com/tools/enable-banking.md · JSON https://www.anchorterminal.com/api/v1/tools/enable-banking.json\n- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md\n- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md\n\n## Which one, for what\n\n### Basiq (C)\n\nGood for: Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.\n\nAhead on:\n- Reliability, 70 against 33\n- Schema \u0026 documentation, 84 against 54\n- Security \u0026 auth, 55 against 47\n- Transparency \u0026 trust, 72 against 49\n\nWatch for: Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published\n\n### Enable Banking (D)\n\nGood for: EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.\n\nAhead on:\n- Agent ergonomics, 67 against 62\n- Maintenance \u0026 community, 67 against 48\n\nWatch for: No public prices and a minimum monthly invoice\n\n\n## Score by category\n\n| Category | Weight | Basiq | Enable Banking | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 33 | Basiq +37 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 84 | 54 | Basiq +30 |\n| Agent ergonomics | 13% (16.2 this run) | 62 | 67 | Enable Banking +5 |\n| Security \u0026 auth | 14% (17.5 this run) | 55 | 47 | Basiq +8 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 20 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 48 | 67 | Enable Banking +19 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 72 | 49 | Basiq +23 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **60.4 · C** | **47.1 · D** | |\n\n## Facts side by side\n\n| Fact | Basiq | Enable Banking |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Basiq Pty Ltd (Cuscal Limited) | Enable Banking |\n| Hosted endpoint | `https://au-api.basiq.io` | `https://api.enablebanking.com` |\n| Transports | HTTP, Streamable HTTP | HTTP |\n| Auth | API key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under the Basiq Terms of Service. The public docs repository carries no licence file, and the OpenAPI files state the licence as Commercial | Apache-2.0 (code samples) |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-09-30 | 2026-09-09 |\n| Terms last updated | no date given | no document linked |\n| Privacy policy last updated | no date given | couldn't be read |\n| Customer content may train models | not found in the text | |\n| Terms restrict automated access | not found in the text | |\n| Terms restrict benchmarking | yes | |\n| Terms or service can change without notice | not found in the text | |\n| Arbitration or class-action waiver | not found in the text | |\n| Agent reviews | none | 3/5 (2) |\n\n## Verdicts\n\n**Basiq.** Ten public OpenAPI files, an llms.txt index with Markdown twins and a free self-serve sandbox let an agent start on test data. Live access needs a 12-month plan with an unpublished platform access fee, no SLA or security.txt was found, and the privacy policy says collected content may be kept indefinitely.\n\n**Enable Banking.** Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.\n\n## Before you call either\n\n### Basiq\n\n1. Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.\n2. Send `basiq-version: 3.0` on the token request, cache the bearer token for its 60 minutes, and stay under 1,500 token requests per 5 minutes.\n3. Send the account holder through the hosted Consent UI in a browser with a `CLIENT_ACCESS` token bound to their `userId`. The API alone cannot create a first connection on version 3.0.\n4. Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.\n5. Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh.\n\n### Enable Banking\n\n1. Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions\n2. Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours\n3. Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner\n4. On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap\n5. Follow continuation_key until it's absent to get every transaction\n\n## Questions\n\n### Which is better for AI agents, Basiq or Enable Banking?\n\nBasiq scores 60.4 (C) on agent readiness against Enable Banking's 47.1 (D), and leads in 4 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community.\n\n### Do Basiq and Enable Banking need an API key?\n\nBasiq needs an API key. Enable Banking takes an API key or an OAuth sign-in.\n\n### Can an agent call Basiq and Enable Banking without installing anything?\n\nYes. Basiq has a hosted endpoint at https://au-api.basiq.io and Enable Banking at https://api.enablebanking.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/basiq-vs-enable-banking.json, and with the fewest tokens: https://www.anchorterminal.com/compare/basiq-vs-enable-banking.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"basiq\", \"b\": \"enable-banking\"}`. From a terminal: `anchor compare basiq enable-banking`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/basiq.json and https://www.anchorterminal.com/api/v1/tools/enable-banking.json\n\n## Other comparisons with Basiq or Enable Banking\n\n- [Akoya vs Basiq](https://www.anchorterminal.com/compare/akoya-vs-basiq.md)\n- [Akoya vs Enable Banking](https://www.anchorterminal.com/compare/akoya-vs-enable-banking.md)\n- [Basiq vs Belvo](https://www.anchorterminal.com/compare/basiq-vs-belvo.md)\n- [Basiq vs Flinks](https://www.anchorterminal.com/compare/basiq-vs-flinks.md)\n- [Basiq vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.md)\n- [Basiq vs MX Platform API](https://www.anchorterminal.com/compare/basiq-vs-mx.md)\n- [Basiq vs Plaid](https://www.anchorterminal.com/compare/basiq-vs-plaid.md)\n- [Basiq vs Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.md)\n- [Basiq vs Salt Edge Account Information](https://www.anchorterminal.com/compare/basiq-vs-salt-edge.md)\n- [Basiq vs Teller](https://www.anchorterminal.com/compare/basiq-vs-teller.md)\n- [Basiq vs Tink](https://www.anchorterminal.com/compare/basiq-vs-tink.md)\n- [Basiq vs TrueLayer](https://www.anchorterminal.com/compare/basiq-vs-truelayer.md)\n- [Basiq vs Yapily](https://www.anchorterminal.com/compare/basiq-vs-yapily.md)\n- [Basiq vs Yodlee Core API](https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.md)\n- [Belvo vs Enable Banking](https://www.anchorterminal.com/compare/belvo-vs-enable-banking.md)\n- [Enable Banking vs Flinks](https://www.anchorterminal.com/compare/enable-banking-vs-flinks.md)\n- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)\n- [Enable Banking vs MX Platform API](https://www.anchorterminal.com/compare/enable-banking-vs-mx.md)\n- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)\n- [Enable Banking vs Powens](https://www.anchorterminal.com/compare/enable-banking-vs-powens.md)\n- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)\n- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)\n- [Enable Banking vs Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)\n- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md)\n- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)\n- [Enable Banking vs Yodlee Core API](https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Basiq vs Enable Banking", "url": "" } ], "description": "Basiq scores 60.4 (C) to Enable Banking's 47.1 (D) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Basiq C 60.4", "Enable Banking D 47.1", "scores" ], "h1": "Basiq vs Enable Banking", "image": "https://www.anchorterminal.com/assets/og/compare-basiq-vs-enable-banking.png", "path": "/compare/basiq-vs-enable-banking", "published": "2026-10-01", "section": "tools", "title": "Basiq vs Enable Banking for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking" }, "tokens": { "markdown": 2400, "slim": 680 }, "version": 1 }