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

- Canonical: https://www.anchorterminal.com/compare/flinks-vs-teller
- Markdown: https://www.anchorterminal.com/compare/flinks-vs-teller.md (~2,150 tokens)
- Slim: https://www.anchorterminal.com/compare/flinks-vs-teller.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/flinks-vs-teller.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: 2026-10-09

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.

- Flinks: grade D, 52.7/100, rank #559 of 722. Markdown https://www.anchorterminal.com/tools/flinks.md · JSON https://www.anchorterminal.com/api/v1/tools/flinks.json
- Teller: grade E, 42.7/100, rank #675 of 722. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.json

## 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 | Flinks | Teller | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 53 | 23 | Flinks +30 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 83 | 44 | Flinks +39 |
| Agent ergonomics | 13% (16.2 this run) | 54 | 80 | Teller +26 |
| Security & auth | 14% (17.5 this run) | 50 | 49 | Flinks +1 |
| Payments & pricing | 10% (12.5 this run) | 25 | 40 | Teller +15 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 31 | 8 | Flinks +23 |
| Transparency & trust | 7% (8.8 this run) | 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

1. Call `/GenerateAuthorizeToken` with the secret key in `flinks-auth-key`, then pass the returned token to the Connect iframe or to `/Authorize`. The token is single-use and expires after 15 minutes.
2. 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`.
3. Store the `loginId`. Call `/Authorize` with it and `MostRecentCached: true` for a new `requestId` each session, because `/GetAccountsDetail` consumes the `requestId`.
4. On a 202 from `/GetAccountsDetail`, poll `/GetAccountsDetailAsync` every 10 seconds for at most 30 minutes, or ask support to enable webhooks.
5. Route each end user to the instance for their country. A `loginId` from the Canadian instance is not valid on the US one.

### Teller

1. 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
2. On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help
3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
5. 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.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/flinks-vs-teller.json, and with the fewest tokens: https://www.anchorterminal.com/compare/flinks-vs-teller.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "flinks", "b": "teller"}`. From a terminal: `anchor compare flinks teller`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/flinks.json and https://www.anchorterminal.com/api/v1/tools/teller.json

## Other comparisons with Flinks or Teller

- [Akoya vs Flinks](https://www.anchorterminal.com/compare/akoya-vs-flinks.md)
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- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)
- [MX Platform API vs Teller](https://www.anchorterminal.com/compare/mx-vs-teller.md)
- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)
- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)
- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)
- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)
- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)