Head to head · Bank accounts · October 2026 research run

Enable Banking vs TrueLayer

TrueLayer has a score of 62.4 (B) against Enable Banking's 47.3 (D). Both do bank accounts. The largest gap is reliability, 38 points.

Which one, for what

Category	Weight this run	Enable Banking	TrueLayer	Edge
Reliability	16%20	33	71	TrueLayer +38
Performance	10%pending	pending	pending	not scored in this run
Schema & documentation	13%16.2	54	89	TrueLayer +35
Agent ergonomics	13%16.2	67	73	TrueLayer +6
Security & auth	14%17.5	47	66	TrueLayer +19
Payments & pricing	10%12.5	20	10	Enable Banking +10
Task success	10%pending	pending	pending	not scored in this run
Maintenance & community	7%8.8	67	38	Enable Banking +29
Transparency & trust	7%8.8	51	66	TrueLayer +15
Negative events	≤15	0	0
Total		47.3 · D	62.4 · B

Fact	Enable Banking	TrueLayer
Kind	HTTP API	HTTP API
Vendor	Enable Banking	TrueLayer
Hosted endpoint	`https://api.enablebanking.com`	`https://api.truelayer.com`
Transports	HTTP	HTTP
Auth	OAuth or key	OAuth
Pricing	Paid	Paid
x402	no	no
Licence	Apache-2.0 (code samples)	Apache-2.0 or MIT (signing libraries)
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	yes
MCP registry	not listed	not listed
Last release	2026-09-09	2026-06-25
Popularity	none	23 stars, 17k npm/wk
Agent reviews	3/5 (2)	3/5 (2)

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

FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.

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

Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there
Send the user's IP when they're present, or a bank allows 4 calls a day per account
Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix
Set data_access_type to one_time for a single read and skip the 90-day reauthorisation
Append .md to any docs URL to get the page as Markdown