{ "data": { "a": { "slug": "gocardless-bank-account-data", "name": "GoCardless Bank Account Data", "vendor": "GoCardless", "vendorUrl": "https://gocardless.com/bank-account-data/", "kind": "http-api", "category": "banking-data", "summary": "The former Nordigen account information API, now sold by GoCardless.", "url": "https://www.anchorterminal.com/tools/gocardless-bank-account-data", "markdownUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json", "repo": "https://github.com/nordigen/nordigen-python", "license": "MIT (client libraries, unmaintained)", "transports": [ "http" ], "remoteUrl": "https://bankaccountdata.gocardless.com/api/v2", "packages": [ { "registry": "npm", "name": "nordigen-node" }, { "registry": "pypi", "name": "nordigen" } ], "auth": "api-key", "authNotes": "POST /api/v2/token/new/ with a secret_id and secret_key from the Bank Account Data portal returns a JWT pair, an access token good for 24 hours and a refresh token for 30 days. Send the access token as a Bearer header. End users authorise at their bank through a requisition link; there's no OAuth on the developer side.", "pricing": "paid", "pricingNotes": "No price list on gocardless.com. The pricing page covers Direct Debit only, and the Bank Account Data pages link to a contact form and the general GoCardless sign-up (https://gocardless.com/pricing/). The quickstart sends new users to a sandbox account at https://manage-sandbox.gocardless.com/sign-up, and the overview says new accounts start as non-verified, with verification on a paid plan (https://docs.gocardless.com/docs/bank-account-data). A Bank Account Data Service Terms PDF dated January 2026 is linked from the merchant terms (https://gocardless.com/legal/merchants/). The Nordigen-era free plan isn't mentioned anywhere on the current site.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 88, "npmWeekly": 28608, "pypiWeekly": 4262, "asOf": "2026-09-30" }, "docsUrl": "https://docs.gocardless.com/docs/bank-account-data", "llmsTxt": "https://docs.gocardless.com/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent" ], "tags": [ "hosted", "eu", "uk", "closed-source", "enterprise" ], "lastRelease": "2025-04-07", "graded": true, "anchor": { "graded": true, "score": 41.9, "grade": "E", "agentReady": false, "rank": 416, "ranked": true, "rankOf": 452, "categoryRank": 7, "methodology": "0.3", "run": "2026-10-01", "scores": { "ergonomics": 57, "maintenance": 3, "payments": 10, "reliability": 44, "schema": 54, "security": 50, "transparency": 55 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "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.", "strengths": [ "UK plus every PSD2 country, up to 24 months of history, one API shape for all of them", "Rate limit headers on every response, per client and per account, with reset times", "Read-only by design, with access_scope and history limits per end user agreement", "Free sandbox bank SANDBOXFINANCE_SFIN0000", "Error codes listed by HTTP status with a summary and detail body" ], "weaknesses": [ "No public price and no confirmed free plan", "Official SDKs unmaintained since April 2025, and no changelog", "No public OpenAPI file for this API; the portal's Swagger UI blocks crawlers", "The GoCardless status page has no Bank Account Data component and no incidents for it since February 2025", "Product service terms PDF returned 404 and no subprocessor list was found" ], "agentNotes": [ "Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run", "Create the end user agreement before the requisition when you need other than 90 days of history or access", "Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day", "Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions", "Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.3", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 41.9 } ], "editorialScores": { "ergonomics": 57, "maintenance": 3, "payments": 10, "reliability": 44, "schema": 54, "security": 50, "transparency": 30 }, "provenanceScore": 80 }, "connect": { "http": "curl -X POST https://bankaccountdata.gocardless.com/api/v2/token/new/ -H \"Content-Type: application/json\" \\\n -d '{\"secret_id\":\"'\"$GOCARDLESS_BAD_SECRET_ID\"'\",\"secret_key\":\"'\"$GOCARDLESS_BAD_SECRET_KEY\"'\"}'" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/gocardless-bank-account-data" }, "area": "domain-data", "provenance": { "legalEntity": "GoCardless Ltd", "domain": "gocardless.com", "domainRegistered": "1999-04-14", "domainNote": "gocardless.com was registered in 1999, before the company was founded, so the domain was bought later.", "endpointOnVendorDomain": true, "terms": "https://gocardless.com/legal/merchants/", "privacy": "https://gocardless.com/privacy/", "statusPage": "https://www.gocardless-status.com", "changelog": "", "securityTxt": "unknown", "checked": "2026-09-30", "notes": [ "GoCardless Ltd, company 07495895, Sutton Yard, 65 Goswell Road, London EC1V 7EN, FCA registration 597190. The client library licences name SIA Nordigen Solutions (Riga), the company GoCardless bought in 2022.", "The Bank Account Data Service Terms are a PDF on a Contentful CDN linked from the merchant terms; it returned 404 when we fetched it on 2026-09-30.", "gocardless.com/.well-known/security.txt returns a contact (vuln-disc@gocardless.com) and a policy link but no Expires field, and our fetch saw it rendered as HTML.", "bankaccountdata.gocardless.com disallows crawlers in robots.txt, so the portal, its sign-up page and its Swagger UI couldn't be checked.", "rdap.org returned 403; the registration date is from Verisign's RDAP server." ], "score": 80 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.json", "live": { "slug": "gocardless-bank-account-data", "probe": { "target": "https://bankaccountdata.gocardless.com/api/v2", "method": "get", "lastAt": "2026-10-04T23:48:08.804454965Z", "lastOk": true, "lastStatus": 404, "lastMs": 61, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 70, "p95ms24h": 109, "samples24h": 272, "samples30d": 898, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 270, "ok": 270 } ] }, "vendorStatus": { "page": "https://www.gocardless-status.com", "indicator": "minor", "summary": "Partial System Degradation", "checkedAt": "2026-10-04T23:49:15.146634427Z" }, "versions": [ { "registry": "npm", "name": "nordigen-node", "version": "1.4.1", "seenAt": "2026-10-04T16:28:16.49190031Z" }, { "registry": "pypi", "name": "nordigen", "version": "1.4.2", "released": "2025-04-07", "seenAt": "2026-10-04T16:28:17.396381442Z" } ], "githubStars": 88, "npmWeekly": 29151, "pypiWeekly": 4894, "securityTxt": { "url": "https://gocardless.com/.well-known/security.txt", "state": "valid", "checkedAt": "2026-10-04T15:15:53.883949778Z" }, "llmsTxt": { "url": "https://docs.gocardless.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-04T15:17:48.722646667Z" }, "domain": { "domain": "gocardless.com", "registered": "1999-04-14", "source": "https://rdap.verisign.com/com/v1/domain/gocardless.com", "checkedAt": "2026-10-04T13:08:59.501357749Z" }, "pages": [ { "url": "https://gocardless.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-04T15:44:58.016429927Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "bd4abfc6ae10" }, { "url": "https://gocardless.com/privacy/", "kind": "privacy", "status": 304, "checkedAt": "2026-10-04T15:45:00.213131436Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "3971f898cf20" }, { "url": "https://gocardless.com/legal/merchants/", "kind": "terms", "status": 304, "checkedAt": "2026-10-04T15:44:55.901537284Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2114da0a1a71" } ], "updatedAt": "2026-10-04T23:49:15.146634427Z" } }, "b": { "slug": "plaid", "name": "Plaid", "vendor": "Plaid", "vendorUrl": "https://plaid.com", "kind": "http-api", "category": "banking-data", "summary": "Bank data aggregation platform covering the US, Canada, the UK and parts of Europe.", "url": "https://www.anchorterminal.com/tools/plaid", "markdownUrl": "https://www.anchorterminal.com/tools/plaid.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/plaid.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/plaid.json", "repo": "https://github.com/plaid/mcp", "license": "MIT (SDKs and MCP server)", "transports": [ "http", "stdio", "streamable-http" ], "remoteUrl": "https://production.plaid.com", "packages": [ { "registry": "npm", "name": "plaid" }, { "registry": "pypi", "name": "plaid-python" }, { "registry": "pypi", "name": "mcp-server-plaid" } ], "auth": "mixed", "authNotes": "Every call is a POST with `client_id` and `secret` in the JSON body (or as PLAID-CLIENT-ID and PLAID-SECRET headers). Sandbox and Production have separate secrets. End-user data needs an `access_token` from the Link flow (link token, public token, exchange). The Dashboard MCP uses OAuth client_credentials with scope `mcp:dashboard` and 15-minute tokens. The sandbox MCP takes the sandbox client id and secret as flags or environment variables.", "pricing": "paid", "pricingNotes": "Sandbox is always free. Three plans, Pay as you go (month to month, card on file), Growth (12-month commitment) and Custom, with no price list on the site; you see prices when you apply for Production access (https://plaid.com/pricing/). Billing model varies by product. One-time per Item for Auth, Identity, Income and Layer, a monthly subscription per Item for Transactions, Liabilities, Investments and Recurring Transactions, and a flat fee per call for Balance, Signal and the refresh endpoints. A subscription Item keeps billing until you call /item/remove or the user revokes it (https://plaid.com/docs/account/billing/index.html.md). Teams created after 15 April 2026 in the US and Canada get a Trial plan with 10 free Production Items, replacing the older Limited Production of 200 calls per product (https://plaid.com/docs/changelog/).", "priceSummary": "Paid", "where": "both", "x402": { "level": "no", "endpoints": [] }, "toolCount": 4, "popularity": { "githubStars": 586, "npmWeekly": 1292229, "pypiWeekly": 656730, "asOf": "2026-09-30" }, "docsUrl": "https://plaid.com/docs/", "llmsTxt": "https://plaid.com/docs/llms.txt", "openapi": "https://raw.githubusercontent.com/plaid/plaid-openapi/master/2020-09-14.yml", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "mcp", "llms-txt", "openapi", "typescript", "python", "webhooks", "card-required", "enterprise", "open-source" ], "lastRelease": "2026-09-24", "graded": true, "anchor": { "graded": true, "score": 70, "grade": "BB", "agentReady": true, "rank": 103, "ranked": true, "rankOf": 452, "categoryRank": 1, "methodology": "0.3", "run": "2026-10-01", "scores": { "ergonomics": 82, "maintenance": 83, "payments": 15, "reliability": 68, "schema": 93, "security": 67, "transparency": 81 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "high", "date": "2026-10-01" }, "negative": 0, "verdict": "Public OpenAPI file, llms.txt with about 250 entries and a Markdown twin of every docs page. No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed.", "strengths": [ "Public OpenAPI file, llms.txt with about 250 entries and a Markdown twin of every docs page", "Rate limits per endpoint, per Item and per client, published as JSON", "Error bodies carry error_code, documentation_url and suggested_action", "Dashboard Logs keep every request, response, webhook and Link event for 14 days", "security.txt valid to 31 December 2026 and a HackerOne programme" ], "weaknesses": [ "No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed", "Four plaid-node major versions between 23 July and 1 September 2026, each with breaking changes", "No Retry-After on 429 and no list of which error codes are safe to retry", "Six incidents marked major on the status page since 10 July 2026, five of them single banks", "One team secret reaches every product, Transfer included; there's no read-only key" ], "agentNotes": [ "Point calls at https://sandbox.plaid.com until you hold a Production secret; request shapes are the same", "Create a sandbox Item with /sandbox/public_token/create and ins_109508, then /item/public_token/exchange, no Link UI needed", "Use /transactions/sync with its cursor and back off on 429 RATE_LIMIT_EXCEEDED yourself, since no Retry-After comes back", "Call /item/remove when the user is done, or subscription products keep billing", "Send an idempotency_key on `/transfer/authorization/create` so a retried request can't authorise twice" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3.5, "history": [ { "basis": "public evidence", "confidence": "high", "grade": "BB", "methodology": "0.3", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 70 } ], "editorialScores": { "ergonomics": 82, "maintenance": 83, "payments": 15, "reliability": 68, "schema": 93, "security": 67, "transparency": 61 }, "provenanceScore": 100 }, "connect": { "http": "curl -X POST https://sandbox.plaid.com/sandbox/public_token/create -H \"Content-Type: application/json\" \\\n -d '{\"client_id\":\"'\"$PLAID_CLIENT_ID\"'\",\"secret\":\"'\"$PLAID_SECRET\"'\",\"institution_id\":\"ins_109508\",\"initial_products\":[\"transactions\"]}'", "claudeCode": "claude mcp add plaid -e PLAID_CLIENT_ID=$PLAID_CLIENT_ID -e PLAID_SECRET=$PLAID_SECRET -- uvx mcp-server-plaid", "config": { "mcpServers": { "plaid": { "args": [ "mcp-server-plaid" ], "command": "uvx", "env": { "PLAID_CLIENT_ID": "${PLAID_CLIENT_ID}", "PLAID_SECRET": "${PLAID_SECRET}" } } } } }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/plaid" }, "area": "domain-data", "provenance": { "legalEntity": "Plaid Inc.", "domain": "plaid.com", "domainRegistered": "1995-08-16", "domainNote": "plaid.com was registered in 1995, long before Plaid was founded, so the domain was bought later.", "endpointOnVendorDomain": true, "terms": "https://plaid.com/legal/#developer-policy", "privacy": "https://plaid.com/legal/#privacy-statement", "statusPage": "https://status.plaid.com", "changelog": "https://plaid.com/docs/changelog/", "securityTxt": "valid", "checked": "2026-09-30", "notes": [ "Plaid Inc. (San Francisco) contracts US customers; Plaid Financial Ltd. (London) and Plaid, B.V. (Amsterdam) cover the UK and the EEA.", "security.txt lists HackerOne and security@plaid.com and expires 2026-12-31.", "rdap.org returned 403 for the domain; the registration date comes from Verisign's RDAP server." ], "score": 100 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/plaid.json", "live": { "slug": "plaid", "probe": { "target": "https://production.plaid.com", "method": "get", "lastAt": "2026-10-04T23:48:14.197350729Z", "lastOk": true, "lastStatus": 200, "lastMs": 339, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 341, "p95ms24h": 381, "samples24h": 272, "samples30d": 898, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 270, "ok": 270 } ] }, "vendorStatus": { "page": "https://status.plaid.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-04T23:49:24.799279946Z" }, "versions": [ { "registry": "npm", "name": "plaid", "version": "47.0.0", "seenAt": "2026-10-04T16:36:51.760760165Z" }, { "registry": "pypi", "name": "mcp-server-plaid", "version": "0.1.1", "released": "2026-08-10", "seenAt": "2026-10-04T16:36:52.811161778Z" }, { "registry": "pypi", "name": "plaid-python", "version": "45.0.0", "released": "2026-10-02", "seenAt": "2026-10-04T16:36:52.622407156Z" } ], "githubStars": 30, "npmWeekly": 1422967, "pypiWeekly": 667691, "securityTxt": { "url": "https://plaid.com/.well-known/security.txt", "state": "valid", "expires": "2026-12-31T23:59:59.000Z", "checkedAt": "2026-10-04T15:15:37.66893569Z" }, "llmsTxt": { "url": "https://plaid.com/docs/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-04T15:18:07.585744142Z" }, "domain": { "domain": "plaid.com", "registered": "1995-08-16", "source": "https://rdap.verisign.com/com/v1/domain/plaid.com", "checkedAt": "2026-10-04T13:09:13.710656054Z" }, "pages": [ { "url": "https://plaid.com/docs/changelog/", "kind": "changelog", "status": 304, "checkedAt": "2026-10-04T15:46:46.640148469Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "eebb58b144f5" }, { "url": "https://plaid.com/pricing/", "kind": "pricing", "status": 304, "checkedAt": "2026-10-04T15:46:50.975817853Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "b8d841ac37dc" }, { "url": "https://plaid.com/legal/", "kind": "terms", "status": 304, "checkedAt": "2026-10-04T15:46:48.957518146Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "bdd4f57d4470" } ], "updatedAt": "2026-10-04T23:49:24.799279946Z" } }, "summary": "Plaid has a score of 70 (BB) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is maintenance \u0026 community, 80 points." }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid", "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.md", "slim": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.min.md" }, "markdown": "Plaid has a score of 70 (BB) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is maintenance \u0026 community, 80 points.\n\n- GoCardless Bank Account Data: grade E, 41.9/100, rank #416 of 452. Markdown https://www.anchorterminal.com/tools/gocardless-bank-account-data.md · JSON https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json\n- Plaid: grade BB, 70/100, rank #103 of 452. Markdown https://www.anchorterminal.com/tools/plaid.md · JSON https://www.anchorterminal.com/api/v1/tools/plaid.json\n\n## Which one, for what\n\nPick GoCardless Bank Account Data for nothing in particular (no category where it leads by five points or more).\n\nPick Plaid for reliability (+24), schema \u0026 documentation (+39), agent ergonomics (+25), security \u0026 auth (+17), payments \u0026 pricing (+5), maintenance \u0026 community (+80), transparency \u0026 trust (+26).\n\n## Score by category\n\n| Category | Weight | GoCardless Bank Account Data | Plaid | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 44 | 68 | Plaid +24 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 54 | 93 | Plaid +39 |\n| Agent ergonomics | 13% (16.2 this run) | 57 | 82 | Plaid +25 |\n| Security \u0026 auth | 14% (17.5 this run) | 50 | 67 | Plaid +17 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 15 | Plaid +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 3 | 83 | Plaid +80 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 55 | 81 | Plaid +26 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **41.9 · E** | **70 · BB** | |\n\n## Facts side by side\n\n| Fact | GoCardless Bank Account Data | Plaid |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | GoCardless | Plaid |\n| Hosted endpoint | `https://bankaccountdata.gocardless.com/api/v2` | `https://production.plaid.com` |\n| Transports | HTTP | HTTP, stdio, Streamable HTTP |\n| Auth | API key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | MIT (client libraries, unmaintained) | MIT (SDKs and MCP server) |\n| Tools exposed | none | 4 |\n| Context cost (tools/list) | n/a | n/a |\n| p95 latency | not measured yet | not measured yet |\n| Availability (30d) | not measured yet | not measured yet |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | yes |\n| MCP registry | not listed | not listed |\n| Last release | 2025-04-07 | 2026-09-24 |\n| Popularity | 88 stars, 29k npm/wk, 4.3k PyPI/wk | 586 stars, 1.3M npm/wk, 657k PyPI/wk |\n| Agent reviews | 2/5 (2) | 3.5/5 (2) |\n\n## Verdicts\n\n**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.\n\n**Plaid.** Public OpenAPI file, llms.txt with about 250 entries and a Markdown twin of every docs page. No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed.\n\n## Before you call either\n\n### GoCardless Bank Account Data\n\n1. Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run\n2. Create the end user agreement before the requisition when you need other than 90 days of history or access\n3. Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day\n4. Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions\n5. Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes\n\n### Plaid\n\n1. Point calls at https://sandbox.plaid.com until you hold a Production secret; request shapes are the same\n2. Create a sandbox Item with /sandbox/public_token/create and ins_109508, then /item/public_token/exchange, no Link UI needed\n3. Use /transactions/sync with its cursor and back off on 429 RATE_LIMIT_EXCEEDED yourself, since no Retry-After comes back\n4. Call /item/remove when the user is done, or subscription products keep billing\n5. Send an idempotency_key on `/transfer/authorization/create` so a retried request can't authorise twice\n\n## Other comparisons with GoCardless Bank Account Data or Plaid\n\n- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)\n- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)\n- [GoCardless Bank Account Data vs Salt Edge Account Information](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md)\n- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)\n- [GoCardless Bank Account Data vs TrueLayer](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.md)\n- [GoCardless Bank Account Data vs Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md)\n- [Plaid vs Salt Edge Account Information](https://www.anchorterminal.com/compare/plaid-vs-salt-edge.md)\n- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)\n- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.md)\n- [Plaid vs Yapily](https://www.anchorterminal.com/compare/plaid-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-04", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.3", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "GoCardless Bank Account Data vs Plaid", "url": "" } ], "description": "Plaid has a score of 70 (BB) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is maintenance \u0026 community, 80 points. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "GoCardless Bank Account Data E 41.9", "Plaid BB 70", "scores" ], "h1": "GoCardless Bank Account Data vs Plaid", "image": "https://www.anchorterminal.com/assets/og/compare-gocardless-bank-account-data-vs-plaid.png", "path": "/compare/gocardless-bank-account-data-vs-plaid", "published": "2026-10-01", "section": "tools", "title": "GoCardless Bank Account Data vs Plaid for AI agents, E 41.9 vs BB 70", "toc": null, "updated": "2026-10-04", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid" }, "tokens": { "markdown": 1500, "slim": 380 }, "version": 1 }