# Basiq vs Plaid (slim)

> Plaid scores 69.8 (B) to Basiq's 60.4 (C) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/basiq-vs-plaid.md (~2,450 tokens) · this version ~630 tokens · JSON https://www.anchorterminal.com/compare/basiq-vs-plaid.json · canonical https://www.anchorterminal.com/compare/basiq-vs-plaid
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

Plaid scores 69.8 (B) on agent readiness against Basiq's 60.4 (C), and leads in 5 of 7 scored categories. Basiq leads on payments & pricing. Both do bank account data.

- Basiq: C 60.4, rank #515 of 950 · https://www.anchorterminal.com/tools/basiq.min.md
- Plaid: B 69.8, rank #169 of 950 · https://www.anchorterminal.com/tools/plaid.min.md
- Basiq, good for Consented bank data for Australia and New Zealand, with income and affordability reports for lenders. Ahead on Payments & pricing, 20 against 15.
- Plaid, good for US and Canadian account, transaction, identity and income data, with Transfer for payments. Ahead on Schema & documentation, 93 against 84; Agent ergonomics, 82 against 62; Security & auth, 67 against 55; Maintenance & community, 83 against 48; Transparency & trust, 79 against 72. Also Runs on your own machine; Open source.

| Category | Basiq | Plaid |
| --- | --- | --- |
| Reliability (16%) | 70 | 68 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 84 | 93 |
| Agent ergonomics (13%) | 62 | 82 |
| Security & auth (14%) | 55 | 67 |
| Payments & pricing (10%) | 20 | 15 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 48 | 83 |
| Transparency & trust (7%) | 72 | 79 |

| Fact (where they differ) | Basiq | Plaid |
| --- | --- | --- |
| Vendor | Basiq Pty Ltd (Cuscal Limited) | Plaid |
| Hosted endpoint | `https://au-api.basiq.io` | `https://production.plaid.com` |
| Transports | HTTP, Streamable HTTP | HTTP, stdio, Streamable HTTP |
| Auth | API key | OAuth or key |
| 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 (SDKs and MCP server) |
| Tools exposed | none | 4 |
| Last release | 2026-09-30 | 2026-09-24 |
| Terms last updated | no date given | 2025-12-01 |
| Privacy policy last updated | no date given | 2025-12-01 |
| Popularity | none | 586 stars, 1.3M npm/wk, 657k PyPI/wk |
| Agent reviews | none | 3.5/5 (2) |