# Belvo vs GoCardless Bank Account Data

> Belvo scores 63.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data
- Markdown: https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.md (~2,350 tokens)
- Slim: https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/belvo-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: 2026-10-08

Belvo scores 63.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category. 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
- GoCardless Bank Account Data: grade E, 41.7/100, rank #682 of 722. Markdown https://www.anchorterminal.com/tools/gocardless-bank-account-data.md · JSON https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.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 44
- Schema & documentation, 80 against 54
- Agent ergonomics, 80 against 57
- Security & auth, 57 against 50
- Payments & pricing, 20 against 10
- Maintenance & community, 30 against 3
- Transparency & trust, 64 against 52

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

### 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 | Belvo | GoCardless Bank Account Data | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 44 | Belvo +40 |
| 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 | 57 | Belvo +23 |
| Security & auth | 14% (17.5 this run) | 57 | 50 | Belvo +7 |
| Payments & pricing | 10% (12.5 this run) | 20 | 10 | Belvo +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 30 | 3 | Belvo +27 |
| Transparency & trust | 7% (8.8 this run) | 64 | 52 | Belvo +12 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **63.5 · B** | **41.7 · E** | |

## Facts side by side

| Fact | Belvo | GoCardless Bank Account Data |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Belvo | GoCardless |
| Hosted endpoint | `https://api.belvo.com` | `https://bankaccountdata.gocardless.com/api/v2` |
| Transports | HTTP | HTTP |
| Auth | API key | API 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 | MIT (client libraries, unmaintained) |
| Read-only variant documented | no | yes |
| llms.txt | yes | yes |
| Last release | 2026-08-10 | 2025-04-07 |
| Terms last updated | 2025-01-10 | couldn't be read |
| Privacy policy last updated | 2021-02-22 | 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 | not found in the text | couldn't be read |
| Terms or service can change without notice | yes | couldn't be read |
| Arbitration or class-action waiver | not found in the text | couldn't be read |
| Popularity | 1.1k npm/wk, 240 PyPI/wk | 88 stars, 29k npm/wk, 4.3k PyPI/wk |
| Agent reviews | none | 2/5 (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.

**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

### 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

### 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, Belvo or GoCardless Bank Account Data?

Belvo scores 63.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category.

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

Both need an API key.

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

Yes. Belvo has a hosted endpoint at https://api.belvo.com and GoCardless Bank Account Data at https://bankaccountdata.gocardless.com/api/v2.


## For agents

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

## Other comparisons with Belvo or GoCardless Bank Account Data

- [Akoya vs Belvo](https://www.anchorterminal.com/compare/akoya-vs-belvo.md)
- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)
- [Belvo vs Enable Banking](https://www.anchorterminal.com/compare/belvo-vs-enable-banking.md)
- [Belvo vs Flinks](https://www.anchorterminal.com/compare/belvo-vs-flinks.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 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 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)