{ "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": "2026-10-05T00:15:23.059689872Z", "lastOk": true, "lastStatus": 200, "lastMs": 690, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 388, "p95ms24h": 742, "samples24h": 272, "samples30d": 903, "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": 3, "ok": 3 } ] }, "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": "2026-10-05T00:15:23.059689872Z" } }, "b": { "slug": "truelayer", "name": "TrueLayer", "vendor": "TrueLayer", "vendorUrl": "https://truelayer.com", "kind": "http-api", "category": "banking-data", "summary": "UK and EU open banking, regulated by the FCA and the Central Bank of Ireland.", "url": "https://www.anchorterminal.com/tools/truelayer", "markdownUrl": "https://www.anchorterminal.com/tools/truelayer.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/truelayer.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/truelayer.json", "repo": "https://github.com/TrueLayer/truelayer-signing", "license": "Apache-2.0 or MIT (signing libraries)", "transports": [ "http" ], "remoteUrl": "https://api.truelayer.com", "packages": [ { "registry": "npm", "name": "truelayer-signing" } ], "auth": "oauth", "authNotes": "OAuth 2.0 from the Console's client id and secret. Data API v3 takes a client_credentials token with scope `data` from https://auth.truelayer.com/connect/token (auth.truelayer-sandbox.com in sandbox); the end user then authorises on a TrueLayer-hosted page. Data API v1 uses the authorisation code flow with refresh tokens. Payments API v3 also needs every request signed with an EC secp521r1 private key (Tl-Signature header) whose public half is uploaded to the Console.", "pricing": "paid", "pricingNotes": "No price list on the site (truelayer.com/pricing returns 404, checked 2026-09-30) and none in the docs or llms.txt (https://docs.truelayer.com/llms.txt). Sign-up in the Console is self-serve and the sandbox is free (https://docs.truelayer.com/docs/quickstart-make-a-payment). Live data and payments are priced by contract.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 23, "npmWeekly": 16811, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://docs.truelayer.com", "llmsTxt": "https://docs.truelayer.com/llms.txt", "openapi": "https://docs.truelayer.com/openapi/", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "llms-txt", "openapi", "oauth", "webhooks", "uk", "eu", "enterprise", "closed-source" ], "lastRelease": "2026-06-25", "graded": true, "anchor": { "graded": true, "score": 62.4, "grade": "B", "agentReady": false, "rank": 217, "ranked": true, "rankOf": 452, "categoryRank": 2, "methodology": "0.3", "run": "2026-10-01", "scores": { "ergonomics": 73, "maintenance": 38, "payments": 10, "reliability": 71, "schema": 89, "security": 66, "transparency": 66 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "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.", "strengths": [ "FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself", "Data API errors list 23 codes, each marked retryable or not", "Markdown twin of every docs page, llms.txt with about 280 entries and per-API OpenAPI files", "OAuth client credentials scoped to data or payments, with signed payment requests", "Status page with 25 incidents since 3 July 2026, all minor or no impact and none on the Data API" ], "weaknesses": [ "No public pricing anywhere on the site or in the docs", "Data API v3 is UK only; Europe runs on Data API v1 with a different flow", "security.txt expired on 6 May 2026 and hadn't been renewed by 1 October", "No changelog entry since 23 April 2026 and no SDK release since 25 June 2026", "TrueLayer's own rate limits aren't published, only the banks' 4-a-day cap" ], "agentNotes": [ "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" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.3", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 62.4 } ], "editorialScores": { "ergonomics": 73, "maintenance": 38, "payments": 10, "reliability": 71, "schema": 89, "security": 66, "transparency": 37 }, "provenanceScore": 95 }, "connect": { "http": "curl -X POST https://auth.truelayer-sandbox.com/connect/token \\\n -d \"grant_type=client_credentials\u0026client_id=$TRUELAYER_CLIENT_ID\u0026client_secret=$TRUELAYER_CLIENT_SECRET\u0026scope=data\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/truelayer" }, "area": "domain-data", "provenance": { "legalEntity": "TrueLayer Limited", "domain": "truelayer.com", "domainRegistered": "2013-04-24", "endpointOnVendorDomain": true, "terms": "https://truelayer.com/legal/enduser_tos/", "privacy": "https://truelayer.com/legal/enduser_tos/#consumer-privacy-notice", "statusPage": "https://status.truelayer.com", "changelog": "https://docs.truelayer.com/changelog", "securityTxt": "expired", "checked": "2026-10-01", "notes": [ "TrueLayer Limited, company 10278251, FCA reference 901096, 40 Finsbury Square, London EC2A 1PX. TrueLayer (Ireland) Limited, company 671615, Central Bank of Ireland C433487, covers the EEA.", "The public legal page carries end-user terms updated 12 May 2026; the developer contract is agreed in the Console and isn't published.", "security.txt expired 2026-05-06 and was still expired on 2026-10-01; it points to a disclosure programme and a bug bounty on Intigriti.", "The docs changelog is monthly, newest entry 23 April 2026.", "rdap.org returned 403; the registration date is from Verisign's RDAP server." ], "score": 95 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/truelayer.json", "live": { "slug": "truelayer", "probe": { "target": "https://api.truelayer.com", "method": "get", "lastAt": "2026-10-05T00:15:31.601831421Z", "lastOk": true, "lastStatus": 401, "lastMs": 33, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 36, "p95ms24h": 112, "samples24h": 272, "samples30d": 903, "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": 3, "ok": 3 } ] }, "vendorStatus": { "page": "https://status.truelayer.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-05T00:11:36.324718019Z" }, "versions": [ { "registry": "github", "name": "TrueLayer/truelayer-signing", "version": "java-v0.3.0", "released": "2026-06-25", "seenAt": "2026-10-04T16:42:18.908461182Z" }, { "registry": "npm", "name": "truelayer-signing", "version": "0.2.3", "seenAt": "2026-10-04T16:42:18.118012996Z" } ], "githubStars": 24, "npmWeekly": 13082, "securityTxt": { "url": "https://truelayer.com/.well-known/security.txt", "state": "expired", "expires": "2026-05-06T22:59:00.000Z", "checkedAt": "2026-10-04T15:15:47.212328885Z" }, "llmsTxt": { "url": "https://docs.truelayer.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-04T15:18:18.56065131Z" }, "domain": { "domain": "truelayer.com", "registered": "2013-04-24", "source": "https://rdap.verisign.com/com/v1/domain/truelayer.com", "checkedAt": "2026-10-04T13:04:41.916298803Z" }, "pages": [ { "url": "https://docs.truelayer.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-04T15:44:09.902710707Z", "changedAt": "2026-10-04T15:44:09.902710707Z", "fingerprint": "93f31b6cb9db" }, { "url": "https://truelayer.com/legal/enduser_tos/", "kind": "terms", "status": 200, "checkedAt": "2026-10-04T15:48:31.488091298Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "29790d7333ca" } ], "updatedAt": "2026-10-05T00:15:31.601831421Z" } }, "summary": "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." }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer", "json": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md", "slim": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.min.md" }, "markdown": "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.\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- TrueLayer: grade B, 62.4/100, rank #217 of 452. Markdown https://www.anchorterminal.com/tools/truelayer.md · JSON https://www.anchorterminal.com/api/v1/tools/truelayer.json\n\n## Which one, for what\n\nPick Enable Banking for payments \u0026 pricing (+10), maintenance \u0026 community (+29).\n\nPick TrueLayer for reliability (+38), schema \u0026 documentation (+35), agent ergonomics (+6), security \u0026 auth (+19), transparency \u0026 trust (+15).\n\n## Score by category\n\n| Category | Weight | Enable Banking | TrueLayer | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 33 | 71 | TrueLayer +38 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 54 | 89 | TrueLayer +35 |\n| Agent ergonomics | 13% (16.2 this run) | 67 | 73 | TrueLayer +6 |\n| Security \u0026 auth | 14% (17.5 this run) | 47 | 66 | TrueLayer +19 |\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 | 38 | Enable Banking +29 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 51 | 66 | TrueLayer +15 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **47.3 · D** | **62.4 · B** | |\n\n## Facts side by side\n\n| Fact | Enable Banking | TrueLayer |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Enable Banking | TrueLayer |\n| Hosted endpoint | `https://api.enablebanking.com` | `https://api.truelayer.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Apache-2.0 (code samples) | Apache-2.0 or MIT (signing libraries) |\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 | yes |\n| MCP registry | not listed | not listed |\n| Last release | 2026-09-09 | 2026-06-25 |\n| Popularity | none | 23 stars, 17k npm/wk |\n| Agent reviews | 3/5 (2) | 3/5 (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**TrueLayer.** 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.\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### TrueLayer\n\n1. Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there\n2. Send the user's IP when they're present, or a bank allows 4 calls a day per account\n3. Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix\n4. Set data_access_type to one_time for a single read and skip the 90-day reauthorisation\n5. Append .md to any docs URL to get the page as Markdown\n\n## Other comparisons with Enable Banking or TrueLayer\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 Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)\n- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)\n- [GoCardless Bank Account Data vs TrueLayer](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.md)\n- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.md)\n- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.md)\n- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)\n- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-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 TrueLayer", "url": "" } ], "description": "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. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Enable Banking D 47.3", "TrueLayer B 62.4", "scores" ], "h1": "Enable Banking vs TrueLayer", "image": "https://www.anchorterminal.com/assets/og/compare-enable-banking-vs-truelayer.png", "path": "/compare/enable-banking-vs-truelayer", "published": "2026-10-01", "section": "tools", "title": "Enable Banking vs TrueLayer for AI agents, D 47.3 vs B 62.4", "toc": null, "updated": "2026-10-05", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer" }, "tokens": { "markdown": 1400, "slim": 330 }, "version": 1 }