# Basiq vs GoCardless Bank Account Data

> 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.

- Canonical: https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data
- Markdown: https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.md (~2,550 tokens)
- Slim: https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/basiq-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: 2026-10-09

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.

- 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
- 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
- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md
- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md

## Which one, for what

### Basiq (C)

Good for: Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.

Ahead on:
- Reliability, 70 against 44
- Schema & documentation, 84 against 54
- Agent ergonomics, 62 against 57
- Security & auth, 55 against 50
- Payments & pricing, 20 against 10
- Maintenance & community, 48 against 3
- Transparency & trust, 72 against 52

Watch for: Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published

### 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.

Watch for: No public price and no confirmed free plan


## Score by category

| Category | Weight | Basiq | GoCardless Bank Account Data | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 70 | 44 | Basiq +26 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 84 | 54 | Basiq +30 |
| Agent ergonomics | 13% (16.2 this run) | 62 | 57 | Basiq +5 |
| Security & auth | 14% (17.5 this run) | 55 | 50 | Basiq +5 |
| Payments & pricing | 10% (12.5 this run) | 20 | 10 | Basiq +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 48 | 3 | Basiq +45 |
| Transparency & trust | 7% (8.8 this run) | 72 | 52 | Basiq +20 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **60.4 · C** | **41.7 · E** | |

## Facts side by side

| Fact | Basiq | GoCardless Bank Account Data |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Basiq Pty Ltd (Cuscal Limited) | GoCardless |
| Hosted endpoint | `https://au-api.basiq.io` | `https://bankaccountdata.gocardless.com/api/v2` |
| Transports | HTTP, Streamable HTTP | HTTP |
| Auth | API key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| 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) |
| Read-only variant documented | no | yes |
| llms.txt | yes | yes |
| Last release | 2026-09-30 | 2025-04-07 |
| Terms last updated | no date given | 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 | not found in the text | couldn't be read |
| Terms restrict benchmarking | yes | couldn't be read |
| Terms or service can change without notice | not found in the text | 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

**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.

## Before you call either

### Basiq

1. Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.
2. 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.
3. 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.
4. Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.
5. Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh.

### 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, Basiq or GoCardless Bank Account Data?

Basiq scores 60.4 (C) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category.

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

Both need an API key.

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

Yes. Basiq has a hosted endpoint at https://au-api.basiq.io and GoCardless Bank Account Data at https://bankaccountdata.gocardless.com/api/v2.


## For agents

- 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
- 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`
- 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

## Other comparisons with Basiq or GoCardless Bank Account Data

- [Akoya vs Basiq](https://www.anchorterminal.com/compare/akoya-vs-basiq.md)
- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)
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- [Belvo vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.md)
- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)
- [Flinks vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.md)
- [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 Powens](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.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)
- [GoCardless Bank Account Data vs Yodlee Core API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.md)