# Belvo vs Enable Banking

> Belvo scores 63.5 (B) on agent readiness against Enable Banking's 47.1 (D), and leads in 5 of 7 scored categories. Enable Banking leads on maintenance & community. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/belvo-vs-enable-banking
- Markdown: https://www.anchorterminal.com/compare/belvo-vs-enable-banking.md (~2,200 tokens)
- Slim: https://www.anchorterminal.com/compare/belvo-vs-enable-banking.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/belvo-vs-enable-banking.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: 2026-10-08

Belvo scores 63.5 (B) on agent readiness against Enable Banking's 47.1 (D), and leads in 5 of 7 scored categories. Enable Banking leads on maintenance & community. Both do bank accounts.

- Belvo: grade B, 63.5/100, rank #309 of 722. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json
- Enable Banking: grade D, 47.1/100, rank #634 of 722. Markdown https://www.anchorterminal.com/tools/enable-banking.md · JSON https://www.anchorterminal.com/api/v1/tools/enable-banking.json

## Which one, for what

### Belvo (B)

Good for: Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.

Ahead on:
- Reliability, 84 against 33
- Schema & documentation, 80 against 54
- Agent ergonomics, 80 against 67
- Security & auth, 57 against 47
- Transparency & trust, 64 against 49

Watch for: Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month

### Enable Banking (D)

Good for: EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.

Ahead on:
- Maintenance & community, 67 against 30

Watch for: No public prices and a minimum monthly invoice


## Score by category

| Category | Weight | Belvo | Enable Banking | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 33 | Belvo +51 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 54 | Belvo +26 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 67 | Belvo +13 |
| Security & auth | 14% (17.5 this run) | 57 | 47 | Belvo +10 |
| Payments & pricing | 10% (12.5 this run) | 20 | 20 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 30 | 67 | Enable Banking +37 |
| Transparency & trust | 7% (8.8 this run) | 64 | 49 | Belvo +15 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **63.5 · B** | **47.1 · D** | |

## Facts side by side

| Fact | Belvo | Enable Banking |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Belvo | Enable Banking |
| Hosted endpoint | `https://api.belvo.com` | `https://api.enablebanking.com` |
| Transports | HTTP | HTTP |
| Auth | API key | OAuth or key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT | Apache-2.0 (code samples) |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2026-08-10 | 2026-09-09 |
| Terms last updated | 2025-01-10 | no document linked |
| Privacy policy last updated | 2021-02-22 | couldn't be read |
| Customer content may train models | not found in the text |  |
| Terms restrict automated access | not found in the text |  |
| Terms restrict benchmarking | not found in the text |  |
| Terms or service can change without notice | yes |  |
| Arbitration or class-action waiver | not found in the text |  |
| Popularity | 1.1k npm/wk, 240 PyPI/wk | none |
| Agent reviews | none | 3/5 (2) |

## Verdicts

**Belvo.** Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.

**Enable Banking.** Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.

## Before you call either

### Belvo

1. Send HTTP Basic with `secretId` as username and `secretPassword` as password to https://sandbox.belvo.com, and switch to https://api.belvo.com only with production keys
2. Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes
3. Read stored data with GET list calls. Each POST retrieval in Brazil counts against monthly Open Finance limits, such as 8 a month per CPF for owners and accounts
4. Retry 50x responses up to five times from a 3 second base with a factor of two, and don't retry 40x apart from `too_many_sessions`
5. Send `Belvo-Idempotency-Key` with a UUID when creating a payment intent, and `X-Belvo-Request-Mode: async` on link deletion to avoid the limit of 5 deletions a minute

### Enable Banking

1. Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions
2. Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours
3. Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner
4. On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap
5. Follow continuation_key until it's absent to get every transaction

## Questions

### Which is better for AI agents, Belvo or Enable Banking?

Belvo scores 63.5 (B) on agent readiness against Enable Banking's 47.1 (D), and leads in 5 of 7 scored categories. Enable Banking leads on maintenance & community.

### Do Belvo and Enable Banking need an API key?

Belvo needs an API key. Enable Banking takes an API key or an OAuth sign-in.

### Can an agent call Belvo and Enable Banking without installing anything?

Yes. Belvo has a hosted endpoint at https://api.belvo.com and Enable Banking at https://api.enablebanking.com.


## For agents

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

## Other comparisons with Belvo or Enable Banking

- [Akoya vs Belvo](https://www.anchorterminal.com/compare/akoya-vs-belvo.md)
- [Akoya vs Enable Banking](https://www.anchorterminal.com/compare/akoya-vs-enable-banking.md)
- [Belvo vs Flinks](https://www.anchorterminal.com/compare/belvo-vs-flinks.md)
- [Belvo vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.md)
- [Belvo vs MX Platform API](https://www.anchorterminal.com/compare/belvo-vs-mx.md)
- [Belvo vs Plaid](https://www.anchorterminal.com/compare/belvo-vs-plaid.md)
- [Belvo vs Salt Edge Account Information](https://www.anchorterminal.com/compare/belvo-vs-salt-edge.md)
- [Belvo vs Teller](https://www.anchorterminal.com/compare/belvo-vs-teller.md)
- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)
- [Belvo vs TrueLayer](https://www.anchorterminal.com/compare/belvo-vs-truelayer.md)
- [Belvo vs Yapily](https://www.anchorterminal.com/compare/belvo-vs-yapily.md)
- [Enable Banking vs Flinks](https://www.anchorterminal.com/compare/enable-banking-vs-flinks.md)
- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)
- [Enable Banking vs MX Platform API](https://www.anchorterminal.com/compare/enable-banking-vs-mx.md)
- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)
- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)
- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)
- [Enable Banking vs Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)
- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md)
- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)