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

- Canonical: https://www.anchorterminal.com/compare/enable-banking-vs-truelayer
- Markdown: https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md (~1,400 tokens)
- Slim: https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.min.md (~330 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.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

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.

- 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
- 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

## Which one, for what

Pick Enable Banking for payments & pricing (+10), maintenance & community (+29).

Pick TrueLayer for reliability (+38), schema & documentation (+35), agent ergonomics (+6), security & auth (+19), transparency & trust (+15).

## Score by category

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

## Facts side by side

| 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) |

## Verdicts

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

**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.

## 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

### TrueLayer

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

## Other comparisons with Enable Banking or TrueLayer

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