{ "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": 47.3, "grade": "D", "agentReady": false, "rank": 384, "ranked": true, "rankOf": 452, "categoryRank": 4, "methodology": "0.3", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 67, "payments": 20, "reliability": 33, "schema": 54, "security": 47, "transparency": 51 }, "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.", "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": "0.3", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 47.3 } ], "editorialScores": { "ergonomics": 67, "maintenance": 67, "payments": 20, "reliability": 33, "schema": 54, "security": 47, "transparency": 35 }, "provenanceScore": 66 }, "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": 66 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/enable-banking.json", "live": { "slug": "enable-banking", "probe": { "target": "https://api.enablebanking.com", "method": "get", "lastAt": "2026-10-04T23:32:46.924906174Z", "lastOk": true, "lastStatus": 200, "lastMs": 372, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 389, "p95ms24h": 754, "samples24h": 272, "samples30d": 895, "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": 267, "ok": 267 } ] }, "githubStars": 68, "securityTxt": { "url": "https://enablebanking.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-04T15:15:55.325774876Z" }, "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": "2026-10-04T15:44:28.095932355Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "04abb839753e" }, { "url": "https://enablebanking.com/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-04T15:44:30.341971538Z", "changedAt": "2026-10-04T15:44:30.341971538Z", "fingerprint": "b89c0791c950" } ], "updatedAt": "2026-10-04T23:32:46.924906174Z" } }, "b": { "slug": "salt-edge", "name": "Salt Edge Account Information", "vendor": "Salt Edge", "vendorUrl": "https://www.saltedge.com", "kind": "http-api", "category": "banking-data", "summary": "Open banking aggregator for account data and payments across international banks.", "url": "https://www.anchorterminal.com/tools/salt-edge", "markdownUrl": "https://www.anchorterminal.com/tools/salt-edge.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/salt-edge.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/salt-edge.json", "transports": [ "http" ], "remoteUrl": "https://www.saltedge.com/api/v6", "packages": [], "auth": "api-key", "authNotes": "Every request carries App-id and Secret headers from the dashboard. Live applications must also sign requests, with an Expires-at header (UNIX time, at most an hour ahead) and a Signature header, the base64 SHA256 signature of `Expires-at|method|url|body` made with your private key. Test and Pending applications can skip signing. End users authorise through the Connect widget at a connect_url you create per customer.", "pricing": "paid", "pricingNotes": "No price list. The pricing page returns 404 and the product page points at the dashboard sign-up and a sales form (https://www.saltedge.com/products/account_information). A new dashboard application is in Test status and can only connect to Fake providers and bank sandboxes; moving to Live needs approval, after which rate limits for parallel connections are agreed with a project manager (https://docs.saltedge.com/v6/api_reference).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://docs.saltedge.com/v6/", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "uk", "eu", "closed-source", "enterprise", "webhooks" ], "graded": true, "anchor": { "graded": true, "score": 46.9, "grade": "D", "agentReady": false, "rank": 393, "ranked": true, "rankOf": 452, "categoryRank": 5, "methodology": "0.3", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 13, "payments": 10, "reliability": 52, "schema": 52, "security": 46, "transparency": 77 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.", "strengths": [ "5,000-plus banks in more than 50 countries, by Salt Edge's own count", "per_page up to 1,000, from_id cursors and filters on account, dates and pending", "Consent scopes and period_days, with PUT /consents/{id}/revoke to end one", "Fake providers for password, OAuth and SMS flows, plus your own CSV data", "Privacy policy names its processors and countries and keeps EU data in the EU" ], "weaknesses": [ "Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429", "No public pricing; parallel connection limits are negotiated", "No official SDKs, OpenAPI file, llms.txt or changelog", "No security.txt, security page, disclosure policy or certification found", "Status history readable only for the last fortnight; the JSON feed is blocked by robots.txt" ], "agentNotes": [ "Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error", "Start with fakebank_simple_xf in country XF; it needs no bank sandbox", "Sign requests from the start even in Test, so the move to Live doesn't change your client", "Follow next_page from the meta block rather than building from_id URLs yourself", "Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.3", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 46.9 } ], "editorialScores": { "ergonomics": 67, "maintenance": 13, "payments": 10, "reliability": 52, "schema": 52, "security": 46, "transparency": 73 }, "provenanceScore": 80 }, "connect": { "http": "curl https://www.saltedge.com/api/v6/countries -H \"App-id: $SALTEDGE_APP_ID\" -H \"Secret: $SALTEDGE_SECRET\" -H \"Accept: application/json\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/salt-edge" }, "area": "domain-data", "provenance": { "legalEntity": "Salt Edge Limited", "domain": "saltedge.com", "domainRegistered": "2013-12-16", "endpointOnVendorDomain": true, "terms": "https://www.saltedge.com/legal/terms_of_service", "privacy": "https://www.saltedge.com/legal/privacy_policy", "statusPage": "https://www.saltedgestatus.com/", "changelog": "", "securityTxt": "none", "checked": "2026-10-01", "notes": [ "Salt Edge Limited, registered in England and Wales, company 11178811, FCA 822499, is a subsidiary of Salt Edge Inc., which the privacy policy places in Canada, with offices in Canada, the UK and Moldova.", "The privacy policy was last updated 14 September 2023.", "The domain's registration expires 2026-12-16 per Verisign's RDAP record in the 30 September check; rdap.org returned 403.", "www.saltedge.com/.well-known/security.txt returned 404 in the 30 September check, and www.saltedge.com/security returns 404.", "No changelog found; product news appears on blog.saltedge.com." ], "score": 80 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/salt-edge.json", "live": { "slug": "salt-edge", "probe": { "target": "https://www.saltedge.com/api/v6", "method": "get", "lastAt": "2026-10-04T23:32:54.049263589Z", "lastOk": true, "lastStatus": 404, "lastMs": 107, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 116, "p95ms24h": 196, "samples24h": 272, "samples30d": 895, "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": 267, "ok": 267 } ] }, "vendorStatus": { "page": "https://www.saltedgestatus.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-04T23:28:01.946521615Z" }, "securityTxt": { "url": "https://saltedge.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-04T15:15:50.514458459Z" }, "domain": { "domain": "saltedge.com", "registered": "2013-12-16", "source": "https://rdap.verisign.com/com/v1/domain/saltedge.com", "checkedAt": "2026-10-04T13:05:42.743352908Z" }, "pages": [ { "url": "https://www.saltedge.com/legal/privacy_policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-04T15:52:03.768552244Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "98095fe138d1" }, { "url": "https://www.saltedge.com/legal/terms_of_service", "kind": "terms", "status": 200, "checkedAt": "2026-10-04T15:52:05.993380052Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d4d5435c5ee6" } ], "updatedAt": "2026-10-04T23:32:54.049263589Z" } }, "summary": "Enable Banking has a score of 47.3 (D) against Salt Edge Account Information's 46.9 (D). Both do bank accounts. The largest gap is maintenance \u0026 community, 54 points." }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge", "json": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md", "slim": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.min.md" }, "markdown": "Enable Banking has a score of 47.3 (D) against Salt Edge Account Information's 46.9 (D). Both do bank accounts. The largest gap is maintenance \u0026 community, 54 points.\n\n- Enable Banking: grade D, 47.3/100, rank #384 of 452. Markdown https://www.anchorterminal.com/tools/enable-banking.md · JSON https://www.anchorterminal.com/api/v1/tools/enable-banking.json\n- Salt Edge Account Information: grade D, 46.9/100, rank #393 of 452. Markdown https://www.anchorterminal.com/tools/salt-edge.md · JSON https://www.anchorterminal.com/api/v1/tools/salt-edge.json\n\n## Which one, for what\n\nPick Enable Banking for payments \u0026 pricing (+10), maintenance \u0026 community (+54).\n\nPick Salt Edge Account Information for reliability (+19), transparency \u0026 trust (+26).\n\n## Score by category\n\n| Category | Weight | Enable Banking | Salt Edge Account Information | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 33 | 52 | Salt Edge Account Information +19 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 54 | 52 | Enable Banking +2 |\n| Agent ergonomics | 13% (16.2 this run) | 67 | 67 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 47 | 46 | Enable Banking +1 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 10 | Enable Banking +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 67 | 13 | Enable Banking +54 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 51 | 77 | Salt Edge Account Information +26 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **47.3 · D** | **46.9 · D** | |\n\n## Facts side by side\n\n| Fact | Enable Banking | Salt Edge Account Information |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Enable Banking | Salt Edge |\n| Hosted endpoint | `https://api.enablebanking.com` | `https://www.saltedge.com/api/v6` |\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) | none |\n| Tools exposed | none | none |\n| Context cost (tools/list) | n/a | n/a |\n| p95 latency | not measured yet | not measured yet |\n| Availability (30d) | not measured yet | not measured yet |\n| Read-only variant documented | no | no |\n| llms.txt | no | no |\n| MCP registry | not listed | not listed |\n| Last release | 2026-09-09 | none |\n| Popularity | none | none |\n| Agent reviews | 3/5 (2) | 2.5/5 (2) |\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**Salt Edge Account Information.** 5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.\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### Salt Edge Account Information\n\n1. Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error\n2. Start with fakebank_simple_xf in country XF; it needs no bank sandbox\n3. Sign requests from the start even in Test, so the move to Live doesn't change your client\n4. Follow next_page from the meta block rather than building from_id URLs yourself\n5. Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done\n\n## Other comparisons with Enable Banking or Salt Edge Account Information\n\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 Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)\n- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.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- [GoCardless Bank Account Data vs Salt Edge Account Information](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md)\n- [Plaid vs Salt Edge Account Information](https://www.anchorterminal.com/compare/plaid-vs-salt-edge.md)\n- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)\n- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.md)\n- [Salt Edge Account Information vs Yapily](https://www.anchorterminal.com/compare/salt-edge-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-04", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.3", "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 Salt Edge Account Information", "url": "" } ], "description": "Enable Banking has a score of 47.3 (D) against Salt Edge Account Information's 46.9 (D). Both do bank accounts. The largest gap is maintenance \u0026 community, 54 points. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Enable Banking D 47.3", "Salt Edge Account Information D 46.9", "scores" ], "h1": "Enable Banking vs Salt Edge Account Information", "image": "https://www.anchorterminal.com/assets/og/compare-enable-banking-vs-salt-edge.png", "path": "/compare/enable-banking-vs-salt-edge", "published": "2026-10-01", "section": "tools", "title": "Enable Banking vs Salt Edge Account Information for AI agents", "toc": null, "updated": "2026-10-04", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge" }, "tokens": { "markdown": 1450, "slim": 330 }, "version": 1 }