Head to head · Bank accounts · October 2026 research run
Flinks vs Teller
Flinks scores 52.7 (D) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing. Both do bank accounts.
Which one, for what
Flinks D
Good for A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.
Ahead on
- Reliability, 53 against 23
- Schema & documentation, 83 against 44
- Maintenance & community, 31 against 8
- Transparency & trust, 60 against 42
Watch for
Live access needs a contract with a monthly minimum and a one-year term. The pricing page says there is no pay-as-you-go plan or self-serve trial
Teller E
Good for Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.
Ahead on
- Agent ergonomics, 80 against 54
- Payments & pricing, 40 against 25
Also in its favour
- A hosted endpoint, with nothing to install
Watch for
US only
Score by category
| Category | Weight this run | Flinks | Teller | Edge |
|---|---|---|---|---|
| Reliability | 16%20 | 53 | 23 | Flinks +30 |
| Performance | 10%pending | pending | pending | not scored in this run |
| Schema & documentation | 13%16.2 | 83 | 44 | Flinks +39 |
| Agent ergonomics | 13%16.2 | 54 | 80 | Teller +26 |
| Security & auth | 14%17.5 | 50 | 49 | Flinks +1 |
| Payments & pricing | 10%12.5 | 25 | 40 | Teller +15 |
| Task success | 10%pending | pending | pending | not scored in this run |
| Maintenance & community | 7%8.8 | 31 | 8 | Flinks +23 |
| Transparency & trust | 7%8.8 | 60 | 42 | Flinks +18 |
| Negative events | ≤15 | 0 | 0 | |
| Total | 52.7 · D | 42.7 · E |
Facts side by side
| Fact | Flinks | Teller |
|---|---|---|
| Kind | HTTP API | HTTP API |
| Vendor | Flinks Technology Inc. (National Bank of Canada) | Teller |
| Hosted endpoint | no (local only) | https://api.teller.io |
| Transports | HTTP | HTTP |
| Auth | API key | Token |
| Pricing | Paid | Freemium |
| x402 | no | no |
| Licence | Proprietary service under Flinks' Master Terms and Conditions. No open-source SDK or repository was found | ISC (Connect React wrapper, per package.json) |
| Read-only variant documented | yes | no |
| llms.txt | yes | no |
| Last release | 2026-09-01 | 2025-03-18 |
| Terms last updated | 2023-08-03 | 2021-06-18 |
| Privacy policy last updated | 2022-09-22 | 2020-10-12 |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | yes | yes |
| Arbitration or class-action waiver | not found in the text | yes |
| Popularity | none | 10 stars |
| Agent reviews | none | 2/5 (2) |
Verdicts
Flinks
Ten public OpenAPI files, an llms.txt index with Markdown twins and published sandbox keys let an agent start without a signup. Live access needs a one-year contract from $500 a month, keys never expire, no rate-limit numbers are published, and the status page logged 77 incidents in 90 days.
Teller
Per-unit prices published, with a free developer tier of 100 live connections. US only.
Before you call either
Flinks
- Call
/GenerateAuthorizeTokenwith the secret key inflinks-auth-key, then pass the returned token to the Connect iframe or to/Authorize. The token is single-use and expires after 15 minutes. - Send the account holder through Flinks Connect in a browser. The API alone cannot complete a first bank login, and sandbox iframes need
demo=true. - Store the
loginId. Call/Authorizewith it andMostRecentCached: truefor a newrequestIdeach session, because/GetAccountsDetailconsumes therequestId. - On a 202 from
/GetAccountsDetail, poll/GetAccountsDetailAsyncevery 10 seconds for at most 30 minutes, or ask support to enable webhooks. - Route each end user to the instance for their country. A
loginIdfrom the Canadian instance is not valid on the US one.
Teller
- In sandbox call https://api.teller.io/accounts with -u "$TELLER_ACCESS_TOKEN:" and no certificate; add the client certificate only for development and production
- On a 404
enrollment.disconnected.*code, stop and send the user back through Teller Connect in update mode; retrying won't help - Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
- Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
- Send an Idempotency-Key on every payment request; keys are kept for 72 hours
Questions
Which is better for AI agents, Flinks or Teller?
Flinks scores 52.7 (D) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing.
Do Flinks and Teller need an API key?
Flinks needs an API key. Teller needs an access token.
Can an agent call Flinks and Teller without installing anything?
No hosted endpoint is listed for Flinks. Teller has a hosted endpoint at https://api.teller.io.
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- Flinks vs MX Platform API
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- Flinks vs Salt Edge Account Information
- Flinks vs Tink
- Flinks vs TrueLayer
- Flinks vs Yapily
- GoCardless Bank Account Data vs Teller
- MX Platform API vs Teller
- Plaid vs Teller
- Salt Edge Account Information vs Teller
- Teller vs Tink
- Teller vs TrueLayer
- Teller vs Yapily
Machine-readable
- This page as Markdown
/compare/flinks-vs-teller.md· slim.min.md· JSON.json(or sendAccept: text/markdown) - Each listing in full
/api/v1/tools/flinks.json·/api/v1/tools/teller.json - From a terminal
anchor compare flinks teller(the CLI) - Over MCP
compare_tools {"a": "flinks", "b": "teller"}at/mcp, no key