# Basiq vs TrueLayer (slim)

> TrueLayer scores 62.1 (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-truelayer.md (~2,400 tokens) · this version ~630 tokens · JSON https://www.anchorterminal.com/compare/basiq-vs-truelayer.json · canonical https://www.anchorterminal.com/compare/basiq-vs-truelayer
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

TrueLayer scores 62.1 (B) on agent readiness against Basiq's 60.4 (C), and leads in 4 of 7 scored categories. Basiq leads on payments & pricing, maintenance & community and transparency & trust. Both do bank account data.

- Basiq: C 60.4, rank #515 of 950 · https://www.anchorterminal.com/tools/basiq.min.md
- TrueLayer: B 62.1, rank #443 of 950 · https://www.anchorterminal.com/tools/truelayer.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 10; Maintenance & community, 48 against 38; Transparency & trust, 72 against 62.
- TrueLayer, good for UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1. Ahead on Schema & documentation, 89 against 84; Agent ergonomics, 73 against 62; Security & auth, 66 against 55.

| Category | Basiq | TrueLayer |
| --- | --- | --- |
| Reliability (16%) | 70 | 71 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 84 | 89 |
| Agent ergonomics (13%) | 62 | 73 |
| Security & auth (14%) | 55 | 66 |
| Payments & pricing (10%) | 20 | 10 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 48 | 38 |
| Transparency & trust (7%) | 72 | 62 |

| Fact (where they differ) | Basiq | TrueLayer |
| --- | --- | --- |
| Vendor | Basiq Pty Ltd (Cuscal Limited) | TrueLayer |
| Hosted endpoint | `https://au-api.basiq.io` | `https://api.truelayer.com` |
| Transports | HTTP, Streamable HTTP | HTTP |
| Auth | API key | OAuth |
| 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 or MIT (signing libraries) |
| Last release | 2026-09-30 | 2026-06-25 |
| Terms last updated | no date given | 2026-05-12 |
| Privacy policy last updated | no date given | 2026-05-12 |
| Customer content may train models | not found in the text | yes |
| Terms restrict benchmarking | yes | not found in the text |
| Popularity | none | 23 stars, 17k npm/wk |
| Agent reviews | none | 3/5 (2) |