Enable Banking vs GoCardless Bank Account Data

Enable Banking

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

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.

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

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