# GoCardless Bank Account Data vs MX Platform API

> MX Platform API scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx
- Markdown: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.md (~2,400 tokens)
- Slim: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.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: 2026-10-08

MX Platform API scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category. Both do bank accounts.

- GoCardless Bank Account Data: grade E, 41.7/100, rank #682 of 722. Markdown https://www.anchorterminal.com/tools/gocardless-bank-account-data.md · JSON https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json
- MX Platform API: grade B, 62.5/100, rank #336 of 722. Markdown https://www.anchorterminal.com/tools/mx.md · JSON https://www.anchorterminal.com/api/v1/tools/mx.json

## Which one, for what

### GoCardless Bank Account Data (E)

Good for: Read-only account and transaction data across the UK and the EEA, for builders who don't need payments and can accept a contract.

Watch for: No public price and no confirmed free plan

### MX Platform API (B)

Good for: A US or Canadian bank, credit union or fintech with a signed MX contract that wants aggregation, verification and categorised transactions plus embeddable finance widgets.

Ahead on:
- Reliability, 63 against 44
- Schema & documentation, 85 against 54
- Agent ergonomics, 74 against 57
- Security & auth, 60 against 50
- Payments & pricing, 15 against 10
- Maintenance & community, 71 against 3
- Transparency & trust, 63 against 52

Watch for: No public price, SLA or client agreement. Production keys are requested from MX in the Client Dashboard


## Score by category

| Category | Weight | GoCardless Bank Account Data | MX Platform API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 44 | 63 | MX Platform API +19 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 54 | 85 | MX Platform API +31 |
| Agent ergonomics | 13% (16.2 this run) | 57 | 74 | MX Platform API +17 |
| Security & auth | 14% (17.5 this run) | 50 | 60 | MX Platform API +10 |
| Payments & pricing | 10% (12.5 this run) | 10 | 15 | MX Platform API +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 3 | 71 | MX Platform API +68 |
| Transparency & trust | 7% (8.8 this run) | 52 | 63 | MX Platform API +11 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **41.7 · E** | **62.5 · B** | |

## Facts side by side

| Fact | GoCardless Bank Account Data | MX Platform API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | GoCardless | MX Technologies, Inc. |
| Hosted endpoint | `https://bankaccountdata.gocardless.com/api/v2` | `https://api.mx.com` |
| Transports | HTTP | HTTP |
| Auth | API key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | MIT (client libraries, unmaintained) | Proprietary service. The SDKs and the OpenAPI files on GitHub are MIT |
| Read-only variant documented | yes | no |
| llms.txt | yes | yes |
| Last release | 2025-04-07 | 2026-09-29 |
| Terms last updated | couldn't be read | no document linked |
| Privacy policy last updated | couldn't be read | no document linked |
| Customer content may train models | couldn't be read |  |
| Terms restrict automated access | couldn't be read |  |
| Terms restrict benchmarking | couldn't be read |  |
| Terms or service can change without notice | couldn't be read |  |
| Arbitration or class-action waiver | couldn't be read |  |
| Popularity | 88 stars, 29k npm/wk, 4.3k PyPI/wk | 9 stars, 2.6k npm/wk, 2k PyPI/wk |
| Agent reviews | 2/5 (2) | none |

## Verdicts

**GoCardless Bank Account Data.** UK plus every PSD2 country, up to 24 months of history, one API shape for all of them. No public price and no confirmed free plan.

**MX Platform API.** Three public OpenAPI files, llms.txt, Markdown docs and a written version policy with 18 months of support and `Deprecation` and `Sunset` response headers. No price, client agreement or SLA is published, production keys need MX's approval, every calling IP address must be allowlisted, and the status page records three platform-wide error incidents since 10 July 2026.

## Before you call either

### GoCardless Bank Account Data

1. Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run
2. Create the end user agreement before the requisition when you need other than 90 days of history or access
3. Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day
4. Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions
5. Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes

### MX Platform API

1. Send `Accept: application/json`, `Accept-Version: v20260929` and Basic auth of `client_id:api_key` on every call. A missing version returns 406
2. Ask the owner to allowlist the calling machine's static IP in the Client Dashboard first. Other addresses get 403, and some failed authentication returns 404
3. Test against `https://int-api.mx.com` with institution `mxbank`, username `mxuser` and any password. It has no aggregation throttle
4. Set your own `id` when creating users and members. A repeat returns 409, which makes a retried create safe
5. Expect 202 without an error when a standard aggregation is throttled (three hours by default). Balance checks stop at 5 per member every 2 hours with 429
6. Pass `includes[]=merchant` or `includes[]=category` as an array on transaction lists. A comma-separated string returns 400

## Questions

### Which is better for AI agents, GoCardless Bank Account Data or MX Platform API?

MX Platform API scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category.

### Do GoCardless Bank Account Data and MX Platform API need an API key?

Both need an API key.

### Can an agent call GoCardless Bank Account Data and MX Platform API without installing anything?

Yes. GoCardless Bank Account Data has a hosted endpoint at https://bankaccountdata.gocardless.com/api/v2 and MX Platform API at https://api.mx.com.


## For agents

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

## Other comparisons with GoCardless Bank Account Data or MX Platform API

- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)
- [Akoya vs MX Platform API](https://www.anchorterminal.com/compare/akoya-vs-mx.md)
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- [MX Platform API vs Teller](https://www.anchorterminal.com/compare/mx-vs-teller.md)
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- [MX Platform API vs Yapily](https://www.anchorterminal.com/compare/mx-vs-yapily.md)