{ "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": "2026-10-05T03:17:25.612403393Z", "lastOk": true, "lastStatus": 200, "lastMs": 356, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 399, "p95ms24h": 741, "samples24h": 273, "samples30d": 938, "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": 38, "ok": 38 } ] }, "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": "2026-10-05T03:17:25.612403393Z" } }, "b": { "slug": "teller", "name": "Teller", "vendor": "Teller", "vendorUrl": "https://teller.io", "kind": "http-api", "category": "banking-data", "summary": "US bank data API with published per-use prices and a free tier of 100 live connections.", "url": "https://www.anchorterminal.com/tools/teller", "markdownUrl": "https://www.anchorterminal.com/tools/teller.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/teller.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/teller.json", "repo": "https://github.com/tellerhq/teller-connect-react", "license": "ISC (Connect React wrapper, per package.json)", "transports": [ "http" ], "remoteUrl": "https://api.teller.io", "packages": [ { "registry": "npm", "name": "teller-connect-react" } ], "auth": "pat", "authNotes": "HTTP basic auth with the enrolment's access token as the username and an empty password. Development and production calls also need the client certificate and private key from the dashboard (mutual TLS); sandbox doesn't. Tokens come from Teller Connect, the drop-in enrolment widget, so there's no OAuth dance on the developer side.", "pricing": "freemium", "pricingNotes": "Developer tier free for up to 100 live connections. Production is per use. Verify $1.50 per account, Balance $0.10 per API call, Transactions $0.30 per enrolment per month, Identity $1.75 per API call. Enterprise is custom volume pricing (https://teller.io/). Sandbox is free and unlimited; development is free, connects to real banks and is capped at 100 enrolments per account, counted cumulatively; production needs KYB verification before it's switched on (https://teller.io/docs/guides/environments).", "priceSummary": "$0.10 / call", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 10, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://teller.io/docs", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "freemium", "free-tier", "usage-priced", "webhooks", "closed-source" ], "lastRelease": "2025-03-18", "graded": true, "anchor": { "graded": true, "score": 43, "grade": "E", "agentReady": false, "rank": 410, "ranked": true, "rankOf": 452, "categoryRank": 6, "methodology": "0.3", "run": "2026-10-01", "scores": { "ergonomics": 80, "maintenance": 8, "payments": 40, "reliability": 23, "schema": 44, "security": 49, "transparency": 45 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Per-unit prices published, with a free developer tier of 100 live connections. US only.", "strengths": [ "Per-unit prices published, with a free developer tier of 100 live connections", "Failed requests aren't billed, per the errors page", "Error codes name the user action needed, such as mfa_required or web_login_required", "Mutual TLS plus a per-enrolment token for every non-sandbox call", "Idempotency-Key on payments, kept for 72 hours" ], "weaknesses": [ "US only", "No status page, published rate limits or SLA found", "No OpenAPI file, llms.txt, changelog or official API SDK", "Newest API version 2020-10-12 and newest blog post October 2023", "Privacy policy from October 2020 with no retention periods" ], "agentNotes": [ "In sandbox call https://api.teller.io/accounts with -u \"$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" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.3", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 43 } ], "editorialScores": { "ergonomics": 80, "maintenance": 8, "payments": 40, "reliability": 23, "schema": 44, "security": 49, "transparency": 35 }, "provenanceScore": 55 }, "connect": { "http": "curl https://api.teller.io/accounts -u \"$TELLER_ACCESS_TOKEN:\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/teller" }, "area": "domain-data", "unitPrices": [ { "item": "Transactions", "unit": "account-month", "usd": 0.3, "note": "Per enrolment per month" }, { "item": "Balance", "unit": "call", "usd": 0.1 }, { "item": "Identity", "unit": "call", "usd": 1.75 }, { "item": "Verify", "unit": "record", "usd": 1.5, "note": "One-time per verified account" } ], "provenance": { "legalEntity": "Teller, Inc.", "domain": "teller.io", "domainRegistered": "", "endpointOnVendorDomain": true, "terms": "https://teller.io/legal/developer/terms", "privacy": "https://teller.io/legal/developer/privacy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "Teller, Inc. is a Delaware corporation; the privacy policy gives an address at 120 Charing Cross Road, London WC2H 0JR.", "The legal index was last revised 16 February 2021.", "status.teller.io doesn't resolve, and we found no other status page.", "The .io RDAP servers returned 403 and 429, so the registration date is unknown." ], "score": 55 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/teller.json", "live": { "slug": "teller", "probe": { "target": "https://api.teller.io", "method": "get", "lastAt": "2026-10-05T03:17:33.604768583Z", "lastOk": true, "lastStatus": 200, "lastMs": 443, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 455, "p95ms24h": 522, "samples24h": 273, "samples30d": 938, "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": 38, "ok": 38 } ] }, "versions": [ { "registry": "npm", "name": "teller-connect-react", "version": "0.2.3", "seenAt": "2026-10-04T16:41:23.140344876Z" } ], "githubStars": 10, "npmWeekly": 1316, "securityTxt": { "url": "https://teller.io/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-04T15:15:49.945127696Z" }, "domain": { "domain": "teller.io", "checkedAt": "2026-10-04T13:09:09.691296487Z" }, "pages": [ { "url": "https://teller.io/legal/developer/privacy", "kind": "privacy", "status": 304, "checkedAt": "2026-10-04T15:48:19.113417347Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "10ac794a00cf" }, { "url": "https://teller.io/legal/developer/terms", "kind": "terms", "status": 304, "checkedAt": "2026-10-04T15:48:21.263765203Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "99084d856dfa" } ], "updatedAt": "2026-10-05T03:17:33.604768583Z" } }, "summary": "Enable Banking has a score of 47.3 (D) against Teller's 43 (E). Both do bank accounts. The largest gap is maintenance \u0026 community, 59 points." }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/enable-banking-vs-teller", "json": "https://www.anchorterminal.com/compare/enable-banking-vs-teller.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/enable-banking-vs-teller.md", "slim": "https://www.anchorterminal.com/compare/enable-banking-vs-teller.min.md" }, "markdown": "Enable Banking has a score of 47.3 (D) against Teller's 43 (E). Both do bank accounts. The largest gap is maintenance \u0026 community, 59 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- Teller: grade E, 43/100, rank #410 of 452. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.json\n\n## Which one, for what\n\nPick Enable Banking for reliability (+10), schema \u0026 documentation (+10), maintenance \u0026 community (+59), transparency \u0026 trust (+6).\n\nPick Teller for agent ergonomics (+13), payments \u0026 pricing (+20).\n\n## Score by category\n\n| Category | Weight | Enable Banking | Teller | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 33 | 23 | Enable Banking +10 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 54 | 44 | Enable Banking +10 |\n| Agent ergonomics | 13% (16.2 this run) | 67 | 80 | Teller +13 |\n| Security \u0026 auth | 14% (17.5 this run) | 47 | 49 | Teller +2 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 40 | Teller +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 67 | 8 | Enable Banking +59 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 51 | 45 | Enable Banking +6 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **47.3 · D** | **43 · E** | |\n\n## Facts side by side\n\n| Fact | Enable Banking | Teller |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Enable Banking | Teller |\n| Hosted endpoint | `https://api.enablebanking.com` | `https://api.teller.io` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | Token |\n| Pricing | Paid | Freemium |\n| x402 | no | no |\n| Licence | Apache-2.0 (code samples) | ISC (Connect React wrapper, per package.json) |\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 | 2025-03-18 |\n| Popularity | none | 10 stars |\n| Agent reviews | 3/5 (2) | 2/5 (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**Teller.** Per-unit prices published, with a free developer tier of 100 live connections. US only.\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### Teller\n\n1. 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\n2. On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help\n3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you\n4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date\n5. Send an Idempotency-Key on every payment request; keys are kept for 72 hours\n\n## Other comparisons with Enable Banking or Teller\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 Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.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 Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)\n- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)\n- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)\n- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)\n- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-05", "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 Teller", "url": "" } ], "description": "Enable Banking has a score of 47.3 (D) against Teller's 43 (E). Both do bank accounts. The largest gap is maintenance \u0026 community, 59 points. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Enable Banking D 47.3", "Teller E 43", "scores" ], "h1": "Enable Banking vs Teller", "image": "https://www.anchorterminal.com/assets/og/compare-enable-banking-vs-teller.png", "path": "/compare/enable-banking-vs-teller", "published": "2026-10-01", "section": "tools", "title": "Enable Banking vs Teller for AI agents, D 47.3 vs E 43", "toc": null, "updated": "2026-10-05", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-teller" }, "tokens": { "markdown": 1400, "slim": 330 }, "version": 1 }