# Basiq vs Yodlee Core API

> Basiq scores 60.4 (C) to Yodlee Core's 41.9 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data
- Markdown: https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.md (~2,600 tokens)
- Slim: https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-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 Yodlee Core API's 41.9 (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
- Yodlee Core API: grade E, 41.9/100, rank #900 of 950. Markdown https://www.anchorterminal.com/tools/yodlee-financial-data.md · JSON https://www.anchorterminal.com/api/v1/tools/yodlee-financial-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 15
- Schema & documentation, 84 against 71
- Security & auth, 55 against 49
- Payments & pricing, 20 against 15
- Maintenance & community, 48 against 33
- Transparency & trust, 72 against 53

Also in its favour:
- A hosted endpoint, with nothing to install

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

### Yodlee Core API (E)

Good for: A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.

Watch for: No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404


## Score by category

| Category | Weight | Basiq | Yodlee Core API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 70 | 15 | Basiq +55 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 84 | 71 | Basiq +13 |
| Agent ergonomics | 13% (16.2 this run) | 62 | 58 | Basiq +4 |
| Security & auth | 14% (17.5 this run) | 55 | 49 | Basiq +6 |
| Payments & pricing | 10% (12.5 this run) | 20 | 15 | Basiq +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 48 | 33 | Basiq +15 |
| Transparency & trust | 7% (8.8 this run) | 72 | 53 | Basiq +19 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **60.4 · C** | **41.9 · E** | |

## Facts side by side

| Fact | Basiq | Yodlee Core API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Basiq Pty Ltd (Cuscal Limited) | Yodlee, Inc. |
| Hosted endpoint | `https://au-api.basiq.io` | no (local only) |
| Transports | HTTP, Streamable HTTP | HTTP |
| Auth | API key | OAuth |
| 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 | Proprietary service. The Swagger file on GitHub is MIT |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2026-09-30 | 2026-07-31 |
| Terms last updated | no date given | no document linked |
| Privacy policy last updated | no date given | no document linked |
| Customer content may train models | not found in the text |  |
| Terms restrict automated access | not found in the text |  |
| Terms restrict benchmarking | yes |  |
| Terms or service can change without notice | not found in the text |  |
| Arbitration or class-action waiver | not found in the text |  |
| Popularity | none | 17 stars |

## 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.

**Yodlee Core API.** A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.

## 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.

### Yodlee Core API

1. Get a token with `POST /auth/token`, sending `Api-Version: 1.1` and the end user's `loginName` as headers and `clientId` and `secret` in a form body. Reuse it for up to 30 minutes
2. Use the admin `loginName` only for administrative calls such as webhook subscriptions. A token made with a user's `loginName` reads only that user's data
3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there
4. Page `GET /transactions` with `skip` and `top` (1 to 500). Without dates it returns the last 30 days, and at most two years with `fromDate` and `toDate`
5. A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`
6. Subscribe to `DATA_UPDATES` or `REFRESH` webhooks, or poll `GET /dataExtracts/events` in windows of at most 60 minutes, and do not poll accounts in a loop

## Questions

### Which is better for AI agents, Basiq or Yodlee Core API?

Basiq scores 60.4 (C) on agent readiness against Yodlee Core API's 41.9 (E), and leads in every scored category.

### Do Basiq and Yodlee Core API need an API key?

Basiq needs an API key. Yodlee Core API uses an OAuth sign-in.

### Can an agent call Basiq and Yodlee Core API without installing anything?

Basiq has a hosted endpoint at https://au-api.basiq.io. No hosted endpoint is listed for Yodlee Core API.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "basiq", "b": "yodlee-financial-data"}`. From a terminal: `anchor compare basiq yodlee-financial-data`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/basiq.json and https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json

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