{ "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 The home page does not link that page, so the figures may be out of date.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": "2026-10-10T02:54:48.049473771Z", "lastOk": true, "lastStatus": 200, "lastMs": 841, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 849, "p95ms24h": 941, "samples24h": 115, "samples30d": 115, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 30, "ok": 30 } ] }, "vendorStatus": { "page": "https://status.basiq.io", "indicator": "minor", "summary": "Minor Service Outage", "checkedAt": "2026-10-10T02:49:56.312411653Z" }, "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": "2026-10-10T02:54:48.049473771Z" } }, "answer": "Basiq scores 60.4 (C) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category.", "b": { "slug": "gocardless-bank-account-data", "name": "GoCardless Bank Account Data", "vendor": "GoCardless", "vendorUrl": "https://gocardless.com/bank-account-data/", "kind": "http-api", "category": "banking-data", "summary": "The former Nordigen account information API, now sold by GoCardless.", "url": "https://www.anchorterminal.com/tools/gocardless-bank-account-data", "markdownUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json", "repo": "https://github.com/nordigen/nordigen-python", "license": "MIT (client libraries, unmaintained)", "transports": [ "http" ], "remoteUrl": "https://bankaccountdata.gocardless.com/api/v2", "packages": [ { "registry": "npm", "name": "nordigen-node" }, { "registry": "pypi", "name": "nordigen" } ], "auth": "api-key", "authNotes": "POST /api/v2/token/new/ with a secret_id and secret_key from the Bank Account Data portal returns a JWT pair, an access token good for 24 hours and a refresh token for 30 days. Send the access token as a Bearer header. End users authorise at their bank through a requisition link; there's no OAuth on the developer side.", "pricing": "paid", "pricingNotes": "No price list on gocardless.com. The pricing page covers Direct Debit only, and the Bank Account Data pages link to a contact form and the general GoCardless sign-up (https://gocardless.com/pricing/). The quickstart sends new users to a sandbox account at https://manage-sandbox.gocardless.com/sign-up, and the overview says new accounts start as non-verified, with verification on a paid plan (https://docs.gocardless.com/docs/bank-account-data). A Bank Account Data Service Terms PDF dated January 2026 is linked from the merchant terms (https://gocardless.com/legal/merchants/). The Nordigen-era free plan isn't mentioned anywhere on the current site.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 88, "npmWeekly": 28608, "pypiWeekly": 4262, "asOf": "2026-09-30" }, "docsUrl": "https://docs.gocardless.com/docs/bank-account-data", "llmsTxt": "https://docs.gocardless.com/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent" ], "tags": [ "hosted", "eu", "uk", "closed-source", "enterprise" ], "lastRelease": "2025-04-07", "graded": true, "anchor": { "graded": true, "score": 41.7, "grade": "E", "agentReady": false, "rank": 901, "ranked": true, "rankOf": 950, "categoryRank": 15, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 57, "maintenance": 3, "payments": 10, "reliability": 44, "schema": 54, "security": 50, "transparency": 52 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "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.", "bestFor": "Read-only account and transaction data across the UK and the EEA, for builders who don't need payments and can accept a contract.", "strengths": [ "UK plus every PSD2 country, up to 24 months of history, one API shape for all of them", "Rate limit headers on every response, per client and per account, with reset times", "Read-only by design, with access_scope and history limits per end user agreement", "Free sandbox bank SANDBOXFINANCE_SFIN0000", "Error codes listed by HTTP status with a summary and detail body" ], "weaknesses": [ "No public price and no confirmed free plan", "Official SDKs unmaintained since April 2025, and no changelog", "No public OpenAPI file for this API; the portal's Swagger UI blocks crawlers", "The GoCardless status page has no Bank Account Data component and no incidents for it since February 2025", "Product service terms PDF returned 404 and no subprocessor list was found" ], "agentNotes": [ "Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run", "Create the end user agreement before the requisition when you need other than 90 days of history or access", "Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day", "Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions", "Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 41.7 } ], "editorialScores": { "ergonomics": 57, "maintenance": 3, "payments": 10, "reliability": 44, "schema": 54, "security": 50, "transparency": 30 }, "provenanceScore": 74 }, "connect": { "http": "curl -X POST https://bankaccountdata.gocardless.com/api/v2/token/new/ -H \"Content-Type: application/json\" \\\n -d '{\"secret_id\":\"'\"$GOCARDLESS_BAD_SECRET_ID\"'\",\"secret_key\":\"'\"$GOCARDLESS_BAD_SECRET_KEY\"'\"}'" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/gocardless-bank-account-data" }, "area": "domain-data", "provenance": { "legalEntity": "GoCardless Ltd", "domain": "gocardless.com", "domainRegistered": "1999-04-14", "domainNote": "gocardless.com was registered in 1999, before the company was founded, so the domain was bought later.", "endpointOnVendorDomain": true, "terms": "https://gocardless.com/legal/merchants/", "privacy": "https://gocardless.com/privacy/", "statusPage": "https://www.gocardless-status.com", "changelog": "", "securityTxt": "unknown", "checked": "2026-09-30", "notes": [ "GoCardless Ltd, company 07495895, Sutton Yard, 65 Goswell Road, London EC1V 7EN, FCA registration 597190. The client library licences name SIA Nordigen Solutions (Riga), the company GoCardless bought in 2022.", "The Bank Account Data Service Terms are a PDF on a Contentful CDN linked from the merchant terms; it returned 404 when we fetched it on 2026-09-30.", "gocardless.com/.well-known/security.txt returns a contact (vuln-disc@gocardless.com) and a policy link but no Expires field, and our fetch saw it rendered as HTML.", "bankaccountdata.gocardless.com disallows crawlers in robots.txt, so the portal, its sign-up page and its Swagger UI couldn't be checked.", "rdap.org returned 403; the registration date is from Verisign's RDAP server." ], "score": 74 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.json", "live": { "slug": "gocardless-bank-account-data", "probe": { "target": "https://bankaccountdata.gocardless.com/api/v2", "method": "get", "lastAt": "2026-10-10T02:54:56.530745899Z", "lastOk": true, "lastStatus": 404, "lastMs": 79, "authRequired": false, "uptime24h": 100, "uptime30d": 99.96, "p50ms24h": 75, "p95ms24h": 165, "samples24h": 249, "samples30d": 2264, "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": 267 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 30, "ok": 30 } ] }, "vendorStatus": { "page": "https://www.gocardless-status.com", "indicator": "minor", "summary": "Partial System Degradation", "checkedAt": "2026-10-10T02:50:21.654271088Z" }, "versions": [ { "registry": "npm", "name": "nordigen-node", "version": "1.4.1", "seenAt": "2026-10-09T16:55:14.990075479Z" }, { "registry": "pypi", "name": "nordigen", "version": "1.4.2", "released": "2025-04-07", "seenAt": "2026-10-09T16:55:15.924335951Z" } ], "githubStars": 88, "npmWeekly": 19312, "pypiWeekly": 4627, "securityTxt": { "url": "https://gocardless.com/.well-known/security.txt", "state": "valid", "checkedAt": "2026-10-09T15:40:25.634771606Z" }, "llmsTxt": { "url": "https://docs.gocardless.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-09T14:02:02.453175319Z" }, "domain": { "domain": "gocardless.com", "registered": "1999-04-14", "source": "https://rdap.verisign.com/com/v1/domain/gocardless.com", "checkedAt": "2026-10-04T13:08:59.501357749Z" }, "pages": [ { "url": "https://gocardless.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:39:55.331842921Z", "changedAt": "2026-10-09T18:39:55.331842921Z", "fingerprint": "7e12ed32178f" }, { "url": "https://gocardless.com/privacy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:39:57.474102549Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "3971f898cf20" }, { "url": "https://gocardless.com/legal/merchants/", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:39:53.243711802Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2114da0a1a71" } ], "updatedAt": "2026-10-10T02:54:56.530745899Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Basiq Pty Ltd (Cuscal Limited)", "b": "GoCardless", "name": "Vendor" }, { "a": "https://au-api.basiq.io", "b": "https://bankaccountdata.gocardless.com/api/v2", "name": "Hosted endpoint" }, { "a": "HTTP, Streamable HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "API 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": "MIT (client libraries, unmaintained)", "name": "Licence" }, { "a": "no", "b": "yes", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-30", "b": "2025-04-07", "name": "Last release" }, { "a": "no date given", "b": "couldn't be read", "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": "couldn't be read", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Terms restrict automated access" }, { "a": "yes", "b": "couldn't be read", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "88 stars, 29k npm/wk, 4.3k PyPI/wk", "name": "Popularity" }, { "a": "none", "b": "2/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Basiq scores 60.4 (C) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category.", "question": "Which is better for AI agents, Basiq or GoCardless Bank Account Data?" }, { "answer": "Both need an API key.", "question": "Do Basiq and GoCardless Bank Account Data need an API key?" }, { "answer": "Yes. Basiq has a hosted endpoint at https://au-api.basiq.io and GoCardless Bank Account Data at https://bankaccountdata.gocardless.com/api/v2.", "question": "Can an agent call Basiq and GoCardless Bank Account Data without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 70 against 44", "Schema \u0026 documentation, 84 against 54", "Agent ergonomics, 62 against 57", "Security \u0026 auth, 55 against 50", "Payments \u0026 pricing, 20 against 10", "Maintenance \u0026 community, 48 against 3", "Transparency \u0026 trust, 72 against 52" ], "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": null, "also": null, "goodFor": "Read-only account and transaction data across the UK and the EEA, for builders who don't need payments and can accept a contract.", "slug": "gocardless-bank-account-data", "watchFor": "No public price and no confirmed free plan" } ], "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-gocardless-bank-account-data.json", "title": "Akoya vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data" }, { "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-enable-banking.json", "title": "Basiq vs Enable Banking", "url": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking" }, { "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-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-gocardless-bank-account-data.json", "title": "Belvo vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data" }, { "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/flinks-vs-gocardless-bank-account-data.json", "title": "Flinks vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.json", "title": "GoCardless Bank Account Data vs MX Platform API", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.json", "title": "GoCardless Bank Account Data vs Plaid", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.json", "title": "GoCardless Bank Account Data vs Powens", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.json", "title": "GoCardless Bank Account Data vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.json", "title": "GoCardless Bank Account Data vs Teller", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.json", "title": "GoCardless Bank Account Data vs Tink", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.json", "title": "GoCardless Bank Account Data vs TrueLayer", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.json", "title": "GoCardless Bank Account Data vs Yapily", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.json", "title": "GoCardless Bank Account Data vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data" } ], "scores": [ { "basiq": 70, "by": 26, "edge": "basiq", "gocardless-bank-account-data": 44, "key": "reliability", "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "basiq": 84, "by": 30, "edge": "basiq", "gocardless-bank-account-data": 54, "key": "schema", "name": "Schema \u0026 documentation", "weight": 13 }, { "basiq": 62, "by": 5, "edge": "basiq", "gocardless-bank-account-data": 57, "key": "ergonomics", "name": "Agent ergonomics", "weight": 13 }, { "basiq": 55, "by": 5, "edge": "basiq", "gocardless-bank-account-data": 50, "key": "security", "name": "Security \u0026 auth", "weight": 14 }, { "basiq": 20, "by": 10, "edge": "basiq", "gocardless-bank-account-data": 10, "key": "payments", "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "basiq": 48, "by": 45, "edge": "basiq", "gocardless-bank-account-data": 3, "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7 }, { "basiq": 72, "by": 20, "edge": "basiq", "gocardless-bank-account-data": 52, "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "Basiq scores 60.4 (C) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category. 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.", "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data", "json": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.md", "slim": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.min.md" }, "markdown": "Basiq scores 60.4 (C) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category. 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- GoCardless Bank Account Data: grade E, 41.7/100, rank #901 of 950. Markdown https://www.anchorterminal.com/tools/gocardless-bank-account-data.md · JSON https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.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 44\n- Schema \u0026 documentation, 84 against 54\n- Agent ergonomics, 62 against 57\n- Security \u0026 auth, 55 against 50\n- Payments \u0026 pricing, 20 against 10\n- Maintenance \u0026 community, 48 against 3\n- Transparency \u0026 trust, 72 against 52\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### GoCardless Bank Account Data (E)\n\nGood 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.\n\nWatch for: No public price and no confirmed free plan\n\n\n## Score by category\n\n| Category | Weight | Basiq | GoCardless Bank Account Data | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 44 | Basiq +26 |\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 | 57 | Basiq +5 |\n| Security \u0026 auth | 14% (17.5 this run) | 55 | 50 | Basiq +5 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 10 | Basiq +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 48 | 3 | Basiq +45 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 72 | 52 | Basiq +20 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **60.4 · C** | **41.7 · E** | |\n\n## Facts side by side\n\n| Fact | Basiq | GoCardless Bank Account Data |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Basiq Pty Ltd (Cuscal Limited) | GoCardless |\n| Hosted endpoint | `https://au-api.basiq.io` | `https://bankaccountdata.gocardless.com/api/v2` |\n| Transports | HTTP, Streamable HTTP | HTTP |\n| Auth | API key | API 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 | MIT (client libraries, unmaintained) |\n| Read-only variant documented | no | yes |\n| llms.txt | yes | yes |\n| Last release | 2026-09-30 | 2025-04-07 |\n| Terms last updated | no date given | couldn't be read |\n| Privacy policy last updated | no date given | couldn't be read |\n| Customer content may train models | not found in the text | couldn't be read |\n| Terms restrict automated access | not found in the text | couldn't be read |\n| Terms restrict benchmarking | yes | couldn't be read |\n| Terms or service can change without notice | not found in the text | couldn't be read |\n| Arbitration or class-action waiver | not found in the text | couldn't be read |\n| Popularity | none | 88 stars, 29k npm/wk, 4.3k PyPI/wk |\n| Agent reviews | none | 2/5 (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**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.\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### GoCardless Bank Account Data\n\n1. Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run\n2. Create the end user agreement before the requisition when you need other than 90 days of history or access\n3. Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day\n4. Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions\n5. Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes\n\n## Questions\n\n### Which is better for AI agents, Basiq or GoCardless Bank Account Data?\n\nBasiq scores 60.4 (C) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category.\n\n### Do Basiq and GoCardless Bank Account Data need an API key?\n\nBoth need an API key.\n\n### Can an agent call Basiq and GoCardless Bank Account Data without installing anything?\n\nYes. Basiq has a hosted endpoint at https://au-api.basiq.io and GoCardless Bank Account Data at https://bankaccountdata.gocardless.com/api/v2.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"basiq\", \"b\": \"gocardless-bank-account-data\"}`. From a terminal: `anchor compare basiq gocardless-bank-account-data`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/basiq.json and https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json\n\n## Other comparisons with Basiq or GoCardless Bank Account Data\n\n- [Akoya vs Basiq](https://www.anchorterminal.com/compare/akoya-vs-basiq.md)\n- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)\n- [Basiq vs Belvo](https://www.anchorterminal.com/compare/basiq-vs-belvo.md)\n- [Basiq vs Enable Banking](https://www.anchorterminal.com/compare/basiq-vs-enable-banking.md)\n- [Basiq vs Flinks](https://www.anchorterminal.com/compare/basiq-vs-flinks.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 GoCardless Bank Account Data](https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.md)\n- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)\n- [Flinks vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.md)\n- [GoCardless Bank Account Data vs MX Platform API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.md)\n- [GoCardless Bank Account Data vs Plaid](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.md)\n- [GoCardless Bank Account Data vs Powens](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.md)\n- [GoCardless Bank Account Data vs Salt Edge Account Information](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md)\n- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)\n- [GoCardless Bank Account Data vs Tink](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md)\n- [GoCardless Bank Account Data vs TrueLayer](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.md)\n- [GoCardless Bank Account Data vs Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md)\n- [GoCardless Bank Account Data vs Yodlee Core API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-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 GoCardless Bank Account Data", "url": "" } ], "description": "Basiq scores 60.4 (C) to GoCardless Bank Account Data's 41.7 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Basiq C 60.4", "GoCardless Bank Account Data E 41.7", "scores" ], "h1": "Basiq vs GoCardless Bank Account Data", "image": "https://www.anchorterminal.com/assets/og/compare-basiq-vs-gocardless-bank-account-data.png", "path": "/compare/basiq-vs-gocardless-bank-account-data", "published": "2026-10-01", "section": "tools", "title": "Basiq vs GoCardless Bank Account Data for AI agents (2026)", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data" }, "tokens": { "markdown": 2550, "slim": 730 }, "version": 1 }