Head to head · Bank accounts · October 2026 research run

Enable Banking vs Yapily

Yapily has a score of 57.8 (C) against Enable Banking's 47.3 (D). Both do bank accounts. The largest gap is schema & documentation, 34 points.

Which one, for what

Category	Weight this run	Enable Banking	Yapily	Edge
Reliability	16%20	33	55	Yapily +22
Performance	10%pending	pending	pending	not scored in this run
Schema & documentation	13%16.2	54	88	Yapily +34
Agent ergonomics	13%16.2	67	77	Yapily +10
Security & auth	14%17.5	47	37	Enable Banking +10
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	67	even
Transparency & trust	7%8.8	51	73	Yapily +22
Negative events	≤15	0	0
Total		47.3 · D	57.8 · C

Fact	Enable Banking	Yapily
Kind	HTTP API	HTTP API
Vendor	Enable Banking	Yapily
Hosted endpoint	`https://api.enablebanking.com`	`https://api.yapily.com`
Transports	HTTP	HTTP, Streamable HTTP
Auth	OAuth or key	API key
Pricing	Paid	Paid
x402	no	no
Licence	Apache-2.0 (code samples)	MIT (SDKs)
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	2025-06-30
Popularity	none	14 stars, 50 npm/wk
Agent reviews	3/5 (2)	2.5/5 (2)

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

llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form.

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

Read llms-full.txt once and cache it; it's the whole documentation in one fetch
Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty
Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation
Check the error source field first; USER and INSTITUTION failures won't clear on retry
In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days