{ "data": { "a": { "slug": "enable-banking", "name": "Enable Banking", "vendor": "Enable Banking", "vendorUrl": "https://enablebanking.com", "kind": "http-api", "category": "banking-data", "summary": "Finnish open banking API (FIN-FSA registered AISP) covering 2,700-plus banks in about 30 European countries, with account information and payment initiation under Enable Banking's licence or your own eIDAS certificates.", "url": "https://www.anchorterminal.com/tools/enable-banking", "markdownUrl": "https://www.anchorterminal.com/tools/enable-banking.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/enable-banking.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/enable-banking.json", "repo": "https://github.com/enablebanking/enablebanking-api-samples", "license": "Apache-2.0 (code samples)", "transports": [ "http" ], "remoteUrl": "https://api.enablebanking.com", "packages": [], "auth": "mixed", "authNotes": "Mint an RS256 JWT with the application's private key (kid is the application id, iss enablebanking.com, aud api.enablebanking.com, at most 24 hours) and send it as a Bearer token. The end user authorises at the bank through POST /auth, and the returned code becomes a session with POST /sessions. No client secret: the private key is the credential, so keep it in a secret store.", "pricing": "paid", "pricingNotes": "Volume-based on the number of accounts accessed and payments made a month, with a minimum monthly invoice that includes a quota of accounts and payments; figures on request from info@enablebanking.com (https://enablebanking.com/docs/faq/). You can create an account and use both the sandbox and production before signing a contract; a production application stays pending until the contract is done or you whitelist your own accounts, which activates it in restricted mode for those accounts only (https://enablebanking.com/docs/api/). Payment initiation in production is only switched on for companies holding a PISP licence.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://enablebanking.com/docs/api/reference/", "capabilities": [ "bank.accounts", "bank.transactions", "bank.payments", "bank.consent" ], "tags": [ "hosted", "eu", "closed-source", "enterprise" ], "lastRelease": "2026-09-09", "graded": true, "anchor": { "graded": true, "score": 47.1, "grade": "D", "agentReady": false, "rank": 634, "ranked": true, "rankOf": 722, "categoryRank": 9, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 67, "payments": 20, "reliability": 33, "schema": 54, "security": 47, "transparency": 49 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.", "bestFor": "EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.", "strengths": [ "Restricted mode gives live data for your own whitelisted accounts before any contract", "Private-key JWT auth, at most 24 hours, with no shared secret on the wire", "continuation_key pagination with date and status filters on transactions", "DELETE /sessions closes the bank consent where the bank allows", "Monthly changelog posts, the newest on 9 September 2026" ], "weaknesses": [ "No public prices and a minimum monthly invoice", "No public status page; bank disruptions sit behind the Control Panel login", "No OpenAPI file, llms.txt or official SDK, only samples", "No public terms, security.txt, disclosure policy or certification found", "No idempotency guidance for payments" ], "agentNotes": [ "Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions", "Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours", "Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner", "On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap", "Follow continuation_key until it's absent to get every transaction" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 47.1 } ], "editorialScores": { "ergonomics": 67, "maintenance": 67, "payments": 20, "reliability": 33, "schema": 54, "security": 47, "transparency": 35 }, "provenanceScore": 63 }, "connect": { "http": "curl \"https://api.enablebanking.com/aspsps?country=FI\" -H \"Authorization: Bearer $ENABLE_BANKING_JWT\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/enable-banking" }, "area": "domain-data", "provenance": { "legalEntity": "Enable Banking", "domain": "enablebanking.com", "domainRegistered": "2018-04-23", "endpointOnVendorDomain": true, "terms": "", "privacy": "https://enablebanking.com/privacy-policy", "statusPage": "", "changelog": "https://enablebanking.com/blog", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "The home page describes the company as a registered Account Information Service Provider regulated by the Finnish Financial Supervisory Authority (FIN-FSA). The privacy policy page renders only with JavaScript, so we couldn't read the registered company name or business ID from it.", "No terms of service page was found; the FAQ refers to a contract agreed by email.", "The blog carries monthly changelog posts; there's no status page we could find.", "rdap.org returned 403; the registration date is from Verisign's RDAP server." ], "score": 63 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/enable-banking.json", "live": { "slug": "enable-banking", "probe": { "target": "https://api.enablebanking.com", "method": "get", "lastAt": "2026-10-08T21:12:09.714315961Z", "lastOk": true, "lastStatus": 200, "lastMs": 686, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 452, "p95ms24h": 1276, "samples24h": 271, "samples30d": 1955, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 239, "ok": 239 } ] }, "githubStars": 68, "securityTxt": { "url": "https://enablebanking.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-08T15:38:44.219715689Z" }, "domain": { "domain": "enablebanking.com", "registered": "2018-04-23", "source": "https://rdap.verisign.com/com/v1/domain/enablebanking.com", "checkedAt": "2026-10-04T13:08:31.314512732Z" }, "pages": [ { "url": "https://enablebanking.com/blog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:20:07.365908407Z", "changedAt": "2026-10-06T16:09:01.737626783Z", "fingerprint": "d419c552d2ca" }, { "url": "https://enablebanking.com/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:20:09.681970572Z", "changedAt": "2026-10-05T15:56:47.92503434Z", "fingerprint": "e3b0c44298fc" } ], "updatedAt": "2026-10-08T21:12:09.714315961Z" } }, "answer": "Flinks scores 52.7 (D) on agent readiness against Enable Banking's 47.1 (D), and leads in 5 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community.", "b": { "slug": "flinks", "name": "Flinks", "vendor": "Flinks Technology Inc. (National Bank of Canada)", "vendorUrl": "https://www.flinks.com", "kind": "http-api", "category": "banking-data", "summary": "Flinks is a Canadian bank-data aggregator owned by National Bank of Canada. Its REST API and Flinks Connect widget read accounts, balances, transactions and holder details from Canadian and US institutions with the holder's consent, and start Canadian bank payments.", "url": "https://www.anchorterminal.com/tools/flinks", "markdownUrl": "https://www.anchorterminal.com/tools/flinks.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/flinks.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/flinks.json", "license": "Proprietary service under Flinks' Master Terms and Conditions. No open-source SDK or repository was found", "transports": [ "http" ], "packages": [], "auth": "api-key", "authNotes": "Two static keys issued by Flinks at onboarding. The secret key goes in the `flinks-auth-key` header of `/GenerateAuthorizeToken` and returns a single-use authorise token that expires after 15 minutes. Data endpoints take the `requestId` from `/Authorize` plus an `x-api-key` header. Neither key expires, and no scopes were found. Webhooks are signed with HMAC-SHA256 in a `flinks-authenticity-key` header. Flinks Outbound, the open banking product, uses an OAuth 2.0 authorisation code flow with a `client_id` and `client_secret` and Bearer tokens. Sandbox keys for the shared Toolbox instance are published in the docs. Production keys come from a Flinks representative after a contract.", "pricing": "paid", "pricingNotes": "Plans with a monthly minimum and a one-year term (https://www.flinks.com/pricing, checked 2026-10-08). Connect is $500 a month for 200 unique connections, $1,250 for 1,100, and custom from 20,000. Enrich is $250 a month for 100 API calls and $1,100 for 1,250. Upload is $500 a month for 20 documents and $1,500 for 100. Flinks Pay is quoted by sales. The page does not state the currency or the overage rates, and says there is no pay-as-you-go plan and no self-serve trial. The Toolbox sandbox is free, with keys published in the docs and no card.", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the ten OpenAPI files or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.flinks.com", "llmsTxt": "https://docs.flinks.com/llms.txt", "openapi": "https://docs.flinks.com/openapi.yaml", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "api-key", "openapi", "llms-txt", "webhooks", "sandbox", "canada", "us", "enterprise", "sales-led", "status-page", "closed-source" ], "lastRelease": "2026-09-01", "graded": true, "anchor": { "graded": true, "score": 52.7, "grade": "D", "agentReady": false, "rank": 559, "ranked": true, "rankOf": 722, "categoryRank": 7, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 54, "maintenance": 31, "payments": 25, "reliability": 53, "schema": 83, "security": 50, "transparency": 60 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "Ten public OpenAPI files, an llms.txt index with Markdown twins and published sandbox keys let an agent start without a signup. Live access needs a one-year contract from $500 a month, keys never expire, no rate-limit numbers are published, and the status page logged 77 incidents in 90 days.", "bestFor": "A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.", "strengths": [ "Ten OpenAPI 3.0 files are public at docs.flinks.com, 85 operations in all, with the main Connect and Enrich file holding 34", "Shared sandbox keys for the Toolbox instance are published in the docs, so test calls need no account", "llms.txt lists 216 pages with Markdown twins, and the docs add a skill file and a read-only documentation MCP server", "Plan prices are public. Connect starts at $500 a month for 200 unique connections, with no integration or platform fee", "Each instance is hosted in the country it serves, Canada or the US, and `/DeleteCard` deletes all data held for a connection" ], "weaknesses": [ "Live access needs a contract with a monthly minimum and a one-year term. The pricing page says there is no pay-as-you-go plan or self-serve trial", "The secret key, `x-api-key` and HMAC secret do not expire, and no scopes or rotation steps were found for the Connect API", "No rate-limit numbers are published, and `TOO_MANY_REQUESTS` is documented under HTTP 401 with no Retry-After", "status.flinks.com lists 77 incidents in the 90 days to 8 October 2026, 16 of them on Flinks' own components", "`/GetAccountsDetail` returns the whole 90 or 365 days of transactions in one payload with no pagination, and no official SDK was found" ], "agentNotes": [ "Call `/GenerateAuthorizeToken` with the secret key in `flinks-auth-key`, then pass the returned token to the Connect iframe or to `/Authorize`. The token is single-use and expires after 15 minutes.", "Send the account holder through Flinks Connect in a browser. The API alone cannot complete a first bank login, and sandbox iframes need `demo=true`.", "Store the `loginId`. Call `/Authorize` with it and `MostRecentCached: true` for a new `requestId` each session, because `/GetAccountsDetail` consumes the `requestId`.", "On a 202 from `/GetAccountsDetail`, poll `/GetAccountsDetailAsync` every 10 seconds for at most 30 minutes, or ask support to enable webhooks.", "Route each end user to the instance for their country. A `loginId` from the Canadian instance is not valid on the US one." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 52.7 } ], "editorialScores": { "ergonomics": 54, "maintenance": 31, "payments": 25, "reliability": 53, "schema": 83, "security": 50, "transparency": 48 }, "provenanceScore": 71 }, "connect": { "http": "curl --request POST \\\n --url https://toolbox-api.private.fin.ag/v3/{customerId}/BankingServices/GenerateAuthorizeToken \\\n --header 'Content-Type: application/json' \\\n --header 'flinks-auth-key: YOUR_SECRET_KEY'", "claudeCode": "claude mcp add flinks --transport http https://docs.flinks.com/mcp" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/flinks" }, "area": "domain-data", "provenance": { "legalEntity": "Flinks Technology Inc.", "domain": "flinks.com", "domainRegistered": "1997-06-03", "endpointOnVendorDomain": false, "terms": "https://www.flinks.com/terms-and-conditions", "privacy": "https://www.flinks.com/privacy-policy", "statusPage": "https://status.flinks.com", "changelog": "https://docs.flinks.com/changelog", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The terms link is the Master Terms and Conditions, last updated 3 August 2023, which govern use of the Flinks technology under an order form and name Flinks Technology Inc. Service schedules for connectivity, enrichment and upload are separate pages on flinks.com.", "The privacy link holds the General Privacy Statement (22 September 2022) and the Services Privacy Statement (19 April 2024) on one page. The Services statement covers bank data read through the product and names National Bank of Canada as Flinks' parent company.", "API calls go to https://{instance}-api.private.fin.ag and the widget to https://{instance}-iframe.private.fin.ag. Flinks Outbound answers at ob.flinksapp.com. Neither is under flinks.com, so the endpoint is recorded as off the vendor's domain. We did not confirm the registrant of fin.ag.", "flinks.com/.well-known/security.txt, www.flinks.com/.well-known/security.txt and docs.flinks.com/.well-known/security.txt return 404. The security page gives security@flinks.com for vulnerability reports.", "status.flinks.com runs on incident.io. changelog.flinks.com redirects to docs.flinks.com/changelog.", "Verisign RDAP gives 1997-06-03 as the registration date of flinks.com and GoDaddy.com, LLC as registrar. No street address for the company was found on the pages read." ], "score": 71 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/flinks.json", "live": { "slug": "flinks", "vendorStatus": { "page": "https://status.flinks.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T21:06:05.492387918Z" }, "updatedAt": "2026-10-08T21:06:05.492387918Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Enable Banking", "b": "Flinks Technology Inc. (National Bank of Canada)", "name": "Vendor" }, { "a": "https://api.enablebanking.com", "b": "no (local only)", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "API key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Apache-2.0 (code samples)", "b": "Proprietary service under Flinks' Master Terms and Conditions. No open-source SDK or repository was found", "name": "Licence" }, { "a": "no", "b": "yes", "name": "Read-only variant documented" }, { "a": "no", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-09", "b": "2026-09-01", "name": "Last release" }, { "a": "no document linked", "b": "2023-08-03", "name": "Terms last updated" }, { "a": "couldn't be read", "b": "2022-09-22", "name": "Privacy policy last updated" }, { "a": "", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "", "b": "not found in the text", "name": "Terms restrict benchmarking" }, { "a": "", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "", "b": "not found in the text", "name": "Arbitration or class-action waiver" }, { "a": "3/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "Flinks scores 52.7 (D) on agent readiness against Enable Banking's 47.1 (D), and leads in 5 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community.", "question": "Which is better for AI agents, Enable Banking or Flinks?" }, { "answer": "Enable Banking takes an API key or an OAuth sign-in. Flinks needs an API key.", "question": "Do Enable Banking and Flinks need an API key?" }, { "answer": "Enable Banking has a hosted endpoint at https://api.enablebanking.com. No hosted endpoint is listed for Flinks.", "question": "Can an agent call Enable Banking and Flinks without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Agent ergonomics, 67 against 54", "Maintenance \u0026 community, 67 against 31" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.", "slug": "enable-banking", "watchFor": "No public prices and a minimum monthly invoice" }, { "aheadOn": [ "Reliability, 53 against 33", "Schema \u0026 documentation, 83 against 54", "Payments \u0026 pricing, 25 against 20", "Transparency \u0026 trust, 60 against 49" ], "also": null, "goodFor": "A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.", "slug": "flinks", "watchFor": "Live access needs a contract with a monthly minimum and a one-year term. The pricing page says there is no pay-as-you-go plan or self-serve trial" } ], "job": { "capability": "bank.accounts", "name": "Bank accounts" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-enable-banking.json", "title": "Akoya vs Enable Banking", "url": "https://www.anchorterminal.com/compare/akoya-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-flinks.json", "title": "Akoya vs Flinks", "url": "https://www.anchorterminal.com/compare/akoya-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-enable-banking.json", "title": "Belvo vs Enable Banking", "url": "https://www.anchorterminal.com/compare/belvo-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-flinks.json", "title": "Belvo vs Flinks", "url": "https://www.anchorterminal.com/compare/belvo-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.json", "title": "Enable Banking vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-mx.json", "title": "Enable Banking vs MX Platform API", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-plaid.json", "title": "Enable Banking vs Plaid", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.json", "title": "Enable Banking vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-teller.json", "title": "Enable Banking vs Teller", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-tink.json", "title": "Enable Banking vs Tink", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.json", "title": "Enable Banking vs TrueLayer", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yapily.json", "title": "Enable Banking vs Yapily", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.json", "title": "Flinks vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-mx.json", "title": "Flinks vs MX Platform API", "url": "https://www.anchorterminal.com/compare/flinks-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-plaid.json", "title": "Flinks vs Plaid", "url": "https://www.anchorterminal.com/compare/flinks-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge.json", "title": "Flinks vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-teller.json", "title": "Flinks vs Teller", "url": "https://www.anchorterminal.com/compare/flinks-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-tink.json", "title": "Flinks vs Tink", "url": "https://www.anchorterminal.com/compare/flinks-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-truelayer.json", "title": "Flinks vs TrueLayer", "url": "https://www.anchorterminal.com/compare/flinks-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-yapily.json", "title": "Flinks vs Yapily", "url": "https://www.anchorterminal.com/compare/flinks-vs-yapily" } ], "scores": [ { "by": 20, "edge": "flinks", "enable-banking": 33, "flinks": 53, "key": "reliability", "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 29, "edge": "flinks", "enable-banking": 54, "flinks": 83, "key": "schema", "name": "Schema \u0026 documentation", "weight": 13 }, { "by": 13, "edge": "enable-banking", "enable-banking": 67, "flinks": 54, "key": "ergonomics", "name": "Agent ergonomics", "weight": 13 }, { "by": 3, "edge": "flinks", "enable-banking": 47, "flinks": 50, "key": "security", "name": "Security \u0026 auth", "weight": 14 }, { "by": 5, "edge": "flinks", "enable-banking": 20, "flinks": 25, "key": "payments", "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 36, "edge": "enable-banking", "enable-banking": 67, "flinks": 31, "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7 }, { "by": 11, "edge": "flinks", "enable-banking": 49, "flinks": 60, "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "Flinks scores 52.7 (D) on agent readiness against Enable Banking's 47.1 (D), and leads in 5 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community. Both do bank accounts.", "verdicts": { "enable-banking": "Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.", "flinks": "Ten public OpenAPI files, an llms.txt index with Markdown twins and published sandbox keys let an agent start without a signup. Live access needs a one-year contract from $500 a month, keys never expire, no rate-limit numbers are published, and the status page logged 77 incidents in 90 days." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks", "json": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks.md", "slim": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks.min.md" }, "markdown": "Flinks scores 52.7 (D) on agent readiness against Enable Banking's 47.1 (D), and leads in 5 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community. Both do bank accounts.\n\n- 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\n- Flinks: grade D, 52.7/100, rank #559 of 722. Markdown https://www.anchorterminal.com/tools/flinks.md · JSON https://www.anchorterminal.com/api/v1/tools/flinks.json\n\n## Which one, for what\n\n### Enable Banking (D)\n\nGood for: EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.\n\nAhead on:\n- Agent ergonomics, 67 against 54\n- Maintenance \u0026 community, 67 against 31\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: No public prices and a minimum monthly invoice\n\n### Flinks (D)\n\nGood for: A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.\n\nAhead on:\n- Reliability, 53 against 33\n- Schema \u0026 documentation, 83 against 54\n- Payments \u0026 pricing, 25 against 20\n- Transparency \u0026 trust, 60 against 49\n\nWatch for: Live access needs a contract with a monthly minimum and a one-year term. The pricing page says there is no pay-as-you-go plan or self-serve trial\n\n\n## Score by category\n\n| Category | Weight | Enable Banking | Flinks | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 33 | 53 | Flinks +20 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 54 | 83 | Flinks +29 |\n| Agent ergonomics | 13% (16.2 this run) | 67 | 54 | Enable Banking +13 |\n| Security \u0026 auth | 14% (17.5 this run) | 47 | 50 | Flinks +3 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 25 | Flinks +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 67 | 31 | Enable Banking +36 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 49 | 60 | Flinks +11 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **47.1 · D** | **52.7 · D** | |\n\n## Facts side by side\n\n| Fact | Enable Banking | Flinks |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Enable Banking | Flinks Technology Inc. (National Bank of Canada) |\n| Hosted endpoint | `https://api.enablebanking.com` | no (local only) |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | API key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Apache-2.0 (code samples) | Proprietary service under Flinks' Master Terms and Conditions. No open-source SDK or repository was found |\n| Read-only variant documented | no | yes |\n| llms.txt | no | yes |\n| Last release | 2026-09-09 | 2026-09-01 |\n| Terms last updated | no document linked | 2023-08-03 |\n| Privacy policy last updated | couldn't be read | 2022-09-22 |\n| Customer content may train models | | not found in the text |\n| Terms restrict automated access | | not found in the text |\n| Terms restrict benchmarking | | not found in the text |\n| Terms or service can change without notice | | yes |\n| Arbitration or class-action waiver | | not found in the text |\n| Agent reviews | 3/5 (2) | none |\n\n## Verdicts\n\n**Enable Banking.** Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.\n\n**Flinks.** Ten public OpenAPI files, an llms.txt index with Markdown twins and published sandbox keys let an agent start without a signup. Live access needs a one-year contract from $500 a month, keys never expire, no rate-limit numbers are published, and the status page logged 77 incidents in 90 days.\n\n## Before you call either\n\n### Enable Banking\n\n1. Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions\n2. Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours\n3. Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner\n4. On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap\n5. Follow continuation_key until it's absent to get every transaction\n\n### Flinks\n\n1. Call `/GenerateAuthorizeToken` with the secret key in `flinks-auth-key`, then pass the returned token to the Connect iframe or to `/Authorize`. The token is single-use and expires after 15 minutes.\n2. Send the account holder through Flinks Connect in a browser. The API alone cannot complete a first bank login, and sandbox iframes need `demo=true`.\n3. Store the `loginId`. Call `/Authorize` with it and `MostRecentCached: true` for a new `requestId` each session, because `/GetAccountsDetail` consumes the `requestId`.\n4. On a 202 from `/GetAccountsDetail`, poll `/GetAccountsDetailAsync` every 10 seconds for at most 30 minutes, or ask support to enable webhooks.\n5. Route each end user to the instance for their country. A `loginId` from the Canadian instance is not valid on the US one.\n\n## Questions\n\n### Which is better for AI agents, Enable Banking or Flinks?\n\nFlinks scores 52.7 (D) on agent readiness against Enable Banking's 47.1 (D), and leads in 5 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community.\n\n### Do Enable Banking and Flinks need an API key?\n\nEnable Banking takes an API key or an OAuth sign-in. Flinks needs an API key.\n\n### Can an agent call Enable Banking and Flinks without installing anything?\n\nEnable Banking has a hosted endpoint at https://api.enablebanking.com. No hosted endpoint is listed for Flinks.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/enable-banking-vs-flinks.json, and with the fewest tokens: https://www.anchorterminal.com/compare/enable-banking-vs-flinks.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"enable-banking\", \"b\": \"flinks\"}`. From a terminal: `anchor compare enable-banking flinks`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/enable-banking.json and https://www.anchorterminal.com/api/v1/tools/flinks.json\n\n## Other comparisons with Enable Banking or Flinks\n\n- [Akoya vs Enable Banking](https://www.anchorterminal.com/compare/akoya-vs-enable-banking.md)\n- [Akoya vs Flinks](https://www.anchorterminal.com/compare/akoya-vs-flinks.md)\n- [Belvo vs Enable Banking](https://www.anchorterminal.com/compare/belvo-vs-enable-banking.md)\n- [Belvo vs Flinks](https://www.anchorterminal.com/compare/belvo-vs-flinks.md)\n- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)\n- [Enable Banking vs MX Platform API](https://www.anchorterminal.com/compare/enable-banking-vs-mx.md)\n- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)\n- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)\n- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)\n- [Enable Banking vs Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)\n- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md)\n- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)\n- [Flinks vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.md)\n- [Flinks vs MX Platform API](https://www.anchorterminal.com/compare/flinks-vs-mx.md)\n- [Flinks vs Plaid](https://www.anchorterminal.com/compare/flinks-vs-plaid.md)\n- [Flinks vs Salt Edge Account Information](https://www.anchorterminal.com/compare/flinks-vs-salt-edge.md)\n- [Flinks vs Teller](https://www.anchorterminal.com/compare/flinks-vs-teller.md)\n- [Flinks vs Tink](https://www.anchorterminal.com/compare/flinks-vs-tink.md)\n- [Flinks vs TrueLayer](https://www.anchorterminal.com/compare/flinks-vs-truelayer.md)\n- [Flinks vs Yapily](https://www.anchorterminal.com/compare/flinks-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Enable Banking vs Flinks", "url": "" } ], "description": "Flinks scores 52.7 (D) on agent readiness against Enable Banking's 47.1 (D), and leads in 5 of 7 scored categories. Enable Banking leads on agent ergonomics and maintenance \u0026 community. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Enable Banking D 47.1", "Flinks D 52.7", "scores" ], "h1": "Enable Banking vs Flinks", "image": "https://www.anchorterminal.com/assets/og/compare-enable-banking-vs-flinks.png", "path": "/compare/enable-banking-vs-flinks", "published": "2026-10-01", "section": "tools", "title": "Enable Banking vs Flinks for AI agents, D 47.1 vs D 52.7", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks" }, "tokens": { "markdown": 2250, "slim": 730 }, "version": 1 }