# GoCardless Bank Account Data vs Salt Edge Account Information

> Salt Edge Account Information has a score of 46.9 (D) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is transparency & trust, 22 points. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge
- Markdown: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md (~1,550 tokens)
- Slim: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.min.md (~380 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.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: 2026-10-04

Salt Edge Account Information has a score of 46.9 (D) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is transparency & trust, 22 points.

- 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
- Salt Edge Account Information: grade D, 46.9/100, rank #393 of 452. Markdown https://www.anchorterminal.com/tools/salt-edge.md · JSON https://www.anchorterminal.com/api/v1/tools/salt-edge.json

## Which one, for what

Pick GoCardless Bank Account Data for nothing in particular (no category where it leads by five points or more).

Pick Salt Edge Account Information for reliability (+8), agent ergonomics (+10), maintenance & community (+10), transparency & trust (+22).

## Score by category

| Category | Weight | GoCardless Bank Account Data | Salt Edge Account Information | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 44 | 52 | Salt Edge Account Information +8 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 54 | 52 | GoCardless Bank Account Data +2 |
| Agent ergonomics | 13% (16.2 this run) | 57 | 67 | Salt Edge Account Information +10 |
| Security & auth | 14% (17.5 this run) | 50 | 46 | GoCardless Bank Account Data +4 |
| Payments & pricing | 10% (12.5 this run) | 10 | 10 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 3 | 13 | Salt Edge Account Information +10 |
| Transparency & trust | 7% (8.8 this run) | 55 | 77 | Salt Edge Account Information +22 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **41.9 · E** | **46.9 · D** | |

## Facts side by side

| Fact | GoCardless Bank Account Data | Salt Edge Account Information |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | GoCardless | Salt Edge |
| Hosted endpoint | `https://bankaccountdata.gocardless.com/api/v2` | `https://www.saltedge.com/api/v6` |
| Transports | HTTP | HTTP |
| Auth | API key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | MIT (client libraries, unmaintained) | none |
| 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 | yes | no |
| llms.txt | yes | no |
| MCP registry | not listed | not listed |
| Last release | 2025-04-07 | none |
| Popularity | 88 stars, 29k npm/wk, 4.3k PyPI/wk | none |
| Agent reviews | 2/5 (2) | 2.5/5 (2) |

## 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.

**Salt Edge Account Information.** 5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.

## 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

### Salt Edge Account Information

1. Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error
2. Start with fakebank_simple_xf in country XF; it needs no bank sandbox
3. Sign requests from the start even in Test, so the move to Live doesn't change your client
4. Follow next_page from the meta block rather than building from_id URLs yourself
5. Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done

## Other comparisons with GoCardless Bank Account Data or Salt Edge Account Information

- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)
- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)
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- [GoCardless Bank Account Data vs Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md)
- [Plaid vs Salt Edge Account Information](https://www.anchorterminal.com/compare/plaid-vs-salt-edge.md)
- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)
- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.md)
- [Salt Edge Account Information vs Yapily](https://www.anchorterminal.com/compare/salt-edge-vs-yapily.md)