# Belvo vs Teller

> Belvo scores 63.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on payments & pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/belvo-vs-teller
- Markdown: https://www.anchorterminal.com/compare/belvo-vs-teller.md (~2,000 tokens)
- Slim: https://www.anchorterminal.com/compare/belvo-vs-teller.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/belvo-vs-teller.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 Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on payments & pricing. Both do bank accounts.

- Belvo: grade B, 63.5/100, rank #279 of 629. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json
- Teller: grade E, 42.7/100, rank #585 of 629. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.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 23
- Schema & documentation, 80 against 44
- Security & auth, 57 against 49
- Maintenance & community, 30 against 8
- Transparency & trust, 64 against 42

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

### Teller (E)

Good for: Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.

Ahead on:
- Payments & pricing, 40 against 20

Watch for: US only


## Score by category

| Category | Weight | Belvo | Teller | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 23 | Belvo +61 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 44 | Belvo +36 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 80 | even |
| Security & auth | 14% (17.5 this run) | 57 | 49 | Belvo +8 |
| Payments & pricing | 10% (12.5 this run) | 20 | 40 | Teller +20 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 30 | 8 | Belvo +22 |
| Transparency & trust | 7% (8.8 this run) | 64 | 42 | Belvo +22 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **63.5 · B** | **42.7 · E** | |

## Facts side by side

| Fact | Belvo | Teller |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Belvo | Teller |
| Hosted endpoint | `https://api.belvo.com` | `https://api.teller.io` |
| Transports | HTTP | HTTP |
| Auth | API key | Token |
| Pricing | Paid | Freemium |
| x402 | no | no |
| Licence | Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT | ISC (Connect React wrapper, per package.json) |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2026-08-10 | 2025-03-18 |
| Terms last updated | 2025-01-10 | 2021-06-18 |
| Privacy policy last updated | 2021-02-22 | 2020-10-12 |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | yes | yes |
| Arbitration or class-action waiver | not found in the text | yes |
| Popularity | 1.1k npm/wk, 240 PyPI/wk | 10 stars |
| 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.

**Teller.** Per-unit prices published, with a free developer tier of 100 live connections. US only.

## 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

### Teller

1. In sandbox call https://api.teller.io/accounts with -u "$TELLER_ACCESS_TOKEN:" and no certificate; add the client certificate only for development and production
2. On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help
3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
5. Send an Idempotency-Key on every payment request; keys are kept for 72 hours

## Questions

### Which is better for AI agents, Belvo or Teller?

Belvo scores 63.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on payments & pricing.

### Do Belvo and Teller need an API key?

Belvo needs an API key. Teller needs an access token.

### Can an agent call Belvo and Teller without installing anything?

Yes. Belvo has a hosted endpoint at https://api.belvo.com and Teller at https://api.teller.io.


## For agents

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

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- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)
- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)
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- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)
- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)
- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)