# 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. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/enable-banking-vs-teller
- Markdown: https://www.anchorterminal.com/compare/enable-banking-vs-teller.md (~1,400 tokens)
- Slim: https://www.anchorterminal.com/compare/enable-banking-vs-teller.min.md (~330 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/enable-banking-vs-teller.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-05

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.

- 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
- 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

## Which one, for what

Pick Enable Banking for reliability (+10), schema & documentation (+10), maintenance & community (+59), transparency & trust (+6).

Pick Teller for agent ergonomics (+13), payments & pricing (+20).

## Score by category

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

## Facts side by side

| 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) |

## Verdicts

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

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

## Before you call either

### 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

### Teller

1. 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
2. On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help
3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
5. Send an Idempotency-Key on every payment request; keys are kept for 72 hours

## Other comparisons with Enable Banking or Teller

- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)
- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)
- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)
- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md)
- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)
- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)
- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)
- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)
- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)
- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)