Head to head · Bank accounts · October 2026 research run

Enable Banking vs Teller

Enable Banking has a score of 47.3 (D) against Teller's 43 (E). Both do bank accounts. The largest gap is maintenance & community, 59 points.

Which one, for what

Category	Weight this run	Enable Banking	Teller	Edge
Reliability	16%20	33	23	Enable Banking +10
Performance	10%pending	pending	pending	not scored in this run
Schema & documentation	13%16.2	54	44	Enable Banking +10
Agent ergonomics	13%16.2	67	80	Teller +13
Security & auth	14%17.5	47	49	Teller +2
Payments & pricing	10%12.5	20	40	Teller +20
Task success	10%pending	pending	pending	not scored in this run
Maintenance & community	7%8.8	67	8	Enable Banking +59
Transparency & trust	7%8.8	51	45	Enable Banking +6
Negative events	≤15	0	0
Total		47.3 · D	43 · E

Fact	Enable Banking	Teller
Kind	HTTP API	HTTP API
Vendor	Enable Banking	Teller
Hosted endpoint	`https://api.enablebanking.com`	`https://api.teller.io`
Transports	HTTP	HTTP
Auth	OAuth or key	Token
Pricing	Paid	Freemium
x402	no	no
Licence	Apache-2.0 (code samples)	ISC (Connect React wrapper, per package.json)
Tools exposed	none	none
Context cost (tools/list)	n/a	n/a
p95 latency	not measured yet	not measured yet
Availability (30d)	not measured yet	not measured yet
Read-only variant documented	no	no
llms.txt	no	no
MCP registry	not listed	not listed
Last release	2026-09-09	2025-03-18
Popularity	none	10 stars
Agent reviews	3/5 (2)	2/5 (2)

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

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

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

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
On a 404 enrollment.disconnected.* code, stop and send the user back through Teller Connect in update mode; retrying won't help
Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
Send an Idempotency-Key on every payment request; keys are kept for 72 hours