{ "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": 41.7, "grade": "E", "agentReady": false, "rank": 682, "ranked": true, "rankOf": 722, "categoryRank": 12, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 57, "maintenance": 3, "payments": 10, "reliability": 44, "schema": 54, "security": 50, "transparency": 52 }, "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.", "bestFor": "Read-only account and transaction data across the UK and the EEA, for builders who don't need payments and can accept a contract.", "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": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 41.7 } ], "editorialScores": { "ergonomics": 57, "maintenance": 3, "payments": 10, "reliability": 44, "schema": 54, "security": 50, "transparency": 30 }, "provenanceScore": 74 }, "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": 74 }, "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": "2026-10-08T19:52:51.688072222Z", "lastOk": true, "lastStatus": 404, "lastMs": 73, "authRequired": false, "uptime24h": 99.63, "uptime30d": 99.95, "p50ms24h": 78, "p95ms24h": 145, "samples24h": 272, "samples30d": 1941, "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": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 225, "ok": 224 } ] }, "vendorStatus": { "page": "https://www.gocardless-status.com", "indicator": "minor", "summary": "Partial System Degradation", "checkedAt": "2026-10-08T19:50:43.447583128Z" }, "versions": [ { "registry": "npm", "name": "nordigen-node", "version": "1.4.1", "seenAt": "2026-10-08T16:13:25.110152296Z" }, { "registry": "pypi", "name": "nordigen", "version": "1.4.2", "released": "2025-04-07", "seenAt": "2026-10-08T16:13:29.22263156Z" } ], "githubStars": 88, "npmWeekly": 28236, "pypiWeekly": 5119, "securityTxt": { "url": "https://gocardless.com/.well-known/security.txt", "state": "valid", "checkedAt": "2026-10-08T15:38:36.518290063Z" }, "llmsTxt": { "url": "https://docs.gocardless.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-08T14:00:27.603811885Z" }, "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": "2026-10-08T18:20:42.785501701Z", "changedAt": "2026-10-08T18:20:42.785501701Z", "fingerprint": "1ed3c384fd22" }, { "url": "https://gocardless.com/privacy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:20:44.935927715Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "3971f898cf20" }, { "url": "https://gocardless.com/legal/merchants/", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:20:40.685218109Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2114da0a1a71" } ], "updatedAt": "2026-10-08T19:52:51.688072222Z" } }, "answer": "Tink scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 6 of 7 scored categories.", "b": { "slug": "tink", "name": "Tink", "vendor": "Tink AB (Visa)", "vendorUrl": "https://tink.com", "kind": "http-api", "category": "banking-data", "summary": "Tink is a European open banking platform owned by Visa. Its REST API and hosted Tink Link flow read accounts, balances and transactions with the account holder's consent, and start bank payments.", "url": "https://www.anchorterminal.com/tools/tink", "markdownUrl": "https://www.anchorterminal.com/tools/tink.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/tink.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/tink.json", "repo": "https://github.com/tink-ab/tink-link-ios", "license": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT", "transports": [ "http" ], "remoteUrl": "https://api.tink.com", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 with a `client_id` and `client_secret` from the Tink Console, sent in the POST body to https://api.tink.com/api/v1/oauth/token. A client token lasts 30 minutes and carries only the scopes requested. Data calls need a user token, valid two hours, obtained through an authorisation grant for a Tink user or from the code Tink Link returns after bank consent. Mutual TLS is accepted as an alternative client authentication method. Console signup is self-serve for the sandbox. Live access is by sales contract, with customer due diligence when Tink's own licence is used.", "pricing": "paid", "pricingNotes": "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and says listed prices apply only to existing customers (https://tink.com/pricing/, checked 2026-10-08). The FAQ says there is no pay-per-use option and that a free Console account gives test data in a sandbox (https://tink.com/faq/). No card is mentioned for signup. Fees are set in an order form and billed monthly in arrears under the MSA.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the API reference introduction or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.tink.com", "llmsTxt": "https://docs.tink.com/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent", "bank.payments", "bank.identity" ], "tags": [ "hosted", "oauth", "llms-txt", "webhooks", "sandbox", "eu", "uk", "enterprise", "sales-led", "status-page", "closed-source" ], "lastRelease": "2026-09-15", "graded": true, "anchor": { "graded": true, "score": 62.5, "grade": "B", "agentReady": false, "rank": 337, "ranked": true, "rankOf": 722, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 74, "maintenance": 69, "payments": 10, "reliability": 62, "schema": 73, "security": 63, "transparency": 90 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers.", "bestFor": "A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.", "strengths": [ "OAuth 2.0 client credentials with named scopes per endpoint, 30-minute client tokens and two-hour user tokens", "Master Service Agreement, DPA, four SLA documents and a sub-processor list with processing locations are public PDFs", "Data v2 list endpoints page with `pageSize` and `pageToken`, with date, account and status filters on transactions", "Changelog with 367 dated entries, three of them in the 90 days to 8 October 2026", "Free Console account with a Demo Bank covering test users in 18 countries" ], "weaknesses": [ "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option", "The API reference is a JavaScript app with the Swagger definitions inside its bundle. No downloadable spec was found", "Rate limits are per app with no published numbers, and a 429 carries no documented Retry-After", "A critical incident on 16 July 2026 stopped authentication, consent, account data and payment flows in all European markets for 62 minutes", "security.txt has a Policy line pointing to Visa's disclosure page and no Contact or Expires field" ], "agentNotes": [ "Request a client token at https://api.tink.com/api/v1/oauth/token, create a user, request an authorisation grant for that user, then exchange the code for a user token.", "Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.", "Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.", "Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.", "Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 62.5 } ], "editorialScores": { "ergonomics": 74, "maintenance": 69, "payments": 10, "reliability": 62, "schema": 73, "security": 63, "transparency": 79 }, "provenanceScore": 100 }, "connect": { "http": "curl -X POST https://api.tink.com/api/v1/oauth/token \\\n -d \"client_id=$TINK_CLIENT_ID\" \\\n -d \"client_secret=$TINK_CLIENT_SECRET\" \\\n -d \"grant_type=client_credentials\" \\\n -d \"scope=authorization:grant,user:create\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/tink" }, "area": "domain-data", "provenance": { "legalEntity": "Tink AB", "domain": "tink.com", "domainRegistered": "1993-03-18", "endpointOnVendorDomain": true, "terms": "https://assets.ctfassets.net/c78bhj3obgck/4rs258WTPok62q9qrmFE1o/b68d1bcc13b5c118503ecffc8647a7d8/Tink_Master_Service_Agreement_2025-12-09.pdf", "privacy": "https://cdn.tink.se/legal/privacy-policy/en_UK/privacy-policy-en_UK-2601.pdf", "statusPage": "https://status.tink.com", "changelog": "https://docs.tink.com/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The Master Service Agreement (version 2025-12-09) names Tink AB, corporate registration number 556898-2192, Regeringsgatan 38, 111 56 Stockholm, and is governed by Swedish law. The legal FAQ says all customer use is governed by it.", "The legal FAQ lists Tink AB as a payment institution under the Swedish Financial Supervisory Authority (SFSA ID 44059), Tink Germany GmbH under BaFin (10152149) and Tink Financial Services Limited under the UK FCA (FRN 988456). Tink is a Visa company.", "The privacy link is the Visa Open Banking Privacy Notice for End-Users, effective 8 January 2026, which covers the bank data read through the product. A separate General Privacy Notice (effective 8 April 2025) covers website visitors and business contacts, and customer data is governed by the DPA of 1 October 2025.", "tink.com/.well-known/security.txt has a Canonical line and a Policy line pointing to Visa's vulnerability disclosure page, with no Contact or Expires field, both of which RFC 9116 requires. It is recorded as valid because the file is served, as with other listings whose file lacks Expires.", "The API answers at api.tink.com and Tink Link at link.tink.com. Legal PDFs are served from assets.ctfassets.net and cdn.tink.se.", "The changelog at docs.tink.com/changelog renders in JavaScript. We read its entries from the content feed the page itself requests. Verisign RDAP gives the domain registration date and MarkMonitor as registrar." ], "score": 100 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/tink.json", "live": { "slug": "tink", "probe": { "target": "https://api.tink.com", "method": "get", "lastAt": "2026-10-08T19:53:04.130514218Z", "lastOk": true, "lastStatus": 404, "lastMs": 61, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 54, "p95ms24h": 116, "samples24h": 27, "samples30d": 27, "days": [ { "date": "2026-10-08", "probes": 27, "ok": 27 } ] }, "vendorStatus": { "page": "https://status.tink.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T19:51:05.556142173Z" }, "pages": [ { "url": "https://docs.tink.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:19:36.318263547Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e3b0c44298fc" }, { "url": "https://tink.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:25:14.991772397Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "b875e338cc34" } ], "updatedAt": "2026-10-08T19:53:04.130514218Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "GoCardless", "b": "Tink AB (Visa)", "name": "Vendor" }, { "a": "https://bankaccountdata.gocardless.com/api/v2", "b": "https://api.tink.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "MIT (client libraries, unmaintained)", "b": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT", "name": "Licence" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2025-04-07", "b": "2026-09-15", "name": "Last release" }, { "a": "couldn't be read", "b": "", "name": "Terms last updated" }, { "a": "couldn't be read", "b": "", "name": "Privacy policy last updated" }, { "a": "couldn't be read", "b": "", "name": "Customer content may train models" }, { "a": "couldn't be read", "b": "", "name": "Terms restrict automated access" }, { "a": "couldn't be read", "b": "", "name": "Terms restrict benchmarking" }, { "a": "couldn't be read", "b": "", "name": "Terms or service can change without notice" }, { "a": "couldn't be read", "b": "", "name": "Arbitration or class-action waiver" }, { "a": "88 stars, 29k npm/wk, 4.3k PyPI/wk", "b": "none", "name": "Popularity" }, { "a": "2/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "Tink scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 6 of 7 scored categories.", "question": "Which is better for AI agents, GoCardless Bank Account Data or Tink?" }, { "answer": "GoCardless Bank Account Data needs an API key. Tink uses an OAuth sign-in.", "question": "Do GoCardless Bank Account Data and Tink need an API key?" }, { "answer": "Yes. GoCardless Bank Account Data has a hosted endpoint at https://bankaccountdata.gocardless.com/api/v2 and Tink at https://api.tink.com.", "question": "Can an agent call GoCardless Bank Account Data and Tink without installing anything?" } ], "goodFor": [ { "aheadOn": null, "also": null, "goodFor": "Read-only account and transaction data across the UK and the EEA, for builders who don't need payments and can accept a contract.", "slug": "gocardless-bank-account-data", "watchFor": "No public price and no confirmed free plan" }, { "aheadOn": [ "Reliability, 62 against 44", "Schema \u0026 documentation, 73 against 54", "Agent ergonomics, 74 against 57", "Security \u0026 auth, 63 against 50", "Maintenance \u0026 community, 69 against 3", "Transparency \u0026 trust, 90 against 52" ], "also": null, "goodFor": "A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.", "slug": "tink", "watchFor": "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option" } ], "job": { "capability": "bank.accounts", "name": "Bank accounts" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.json", "title": "Akoya vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-tink.json", "title": "Akoya vs Tink", "url": "https://www.anchorterminal.com/compare/akoya-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.json", "title": "Belvo vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-tink.json", "title": "Belvo vs Tink", "url": "https://www.anchorterminal.com/compare/belvo-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.json", "title": "Enable Banking vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-tink.json", "title": "Enable Banking vs Tink", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.json", "title": "Flinks vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-tink.json", "title": "Flinks vs Tink", "url": "https://www.anchorterminal.com/compare/flinks-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.json", "title": "GoCardless Bank Account Data vs MX Platform API", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.json", "title": "GoCardless Bank Account Data vs Plaid", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.json", "title": "GoCardless Bank Account Data vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.json", "title": "GoCardless Bank Account Data vs Teller", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.json", "title": "GoCardless Bank Account Data vs TrueLayer", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.json", "title": "GoCardless Bank Account Data vs Yapily", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-tink.json", "title": "MX Platform API vs Tink", "url": "https://www.anchorterminal.com/compare/mx-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-tink.json", "title": "Plaid vs Tink", "url": "https://www.anchorterminal.com/compare/plaid-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-tink.json", "title": "Salt Edge Account Information vs Tink", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-tink.json", "title": "Teller vs Tink", "url": "https://www.anchorterminal.com/compare/teller-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-truelayer.json", "title": "Tink vs TrueLayer", "url": "https://www.anchorterminal.com/compare/tink-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-yapily.json", "title": "Tink vs Yapily", "url": "https://www.anchorterminal.com/compare/tink-vs-yapily" } ], "scores": [ { "by": 18, "edge": "tink", "gocardless-bank-account-data": 44, "key": "reliability", "name": "Reliability", "tink": 62, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 19, "edge": "tink", "gocardless-bank-account-data": 54, "key": "schema", "name": "Schema \u0026 documentation", "tink": 73, "weight": 13 }, { "by": 17, "edge": "tink", "gocardless-bank-account-data": 57, "key": "ergonomics", "name": "Agent ergonomics", "tink": 74, "weight": 13 }, { "by": 13, "edge": "tink", "gocardless-bank-account-data": 50, "key": "security", "name": "Security \u0026 auth", "tink": 63, "weight": 14 }, { "by": 0, "edge": "", "gocardless-bank-account-data": 10, "key": "payments", "name": "Payments \u0026 pricing", "tink": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 66, "edge": "tink", "gocardless-bank-account-data": 3, "key": "maintenance", "name": "Maintenance \u0026 community", "tink": 69, "weight": 7 }, { "by": 38, "edge": "tink", "gocardless-bank-account-data": 52, "key": "transparency", "name": "Transparency \u0026 trust", "tink": 90, "weight": 7 } ], "summary": "Tink scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 6 of 7 scored categories. Both do bank accounts.", "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.", "tink": "OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink", "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md", "slim": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.min.md" }, "markdown": "Tink scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 6 of 7 scored categories. Both do bank accounts.\n\n- 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\n- Tink: grade B, 62.5/100, rank #337 of 722. Markdown https://www.anchorterminal.com/tools/tink.md · JSON https://www.anchorterminal.com/api/v1/tools/tink.json\n\n## Which one, for what\n\n### GoCardless Bank Account Data (E)\n\nGood 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.\n\nWatch for: No public price and no confirmed free plan\n\n### Tink (B)\n\nGood for: A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.\n\nAhead on:\n- Reliability, 62 against 44\n- Schema \u0026 documentation, 73 against 54\n- Agent ergonomics, 74 against 57\n- Security \u0026 auth, 63 against 50\n- Maintenance \u0026 community, 69 against 3\n- Transparency \u0026 trust, 90 against 52\n\nWatch for: No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option\n\n\n## Score by category\n\n| Category | Weight | GoCardless Bank Account Data | Tink | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 44 | 62 | Tink +18 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 54 | 73 | Tink +19 |\n| Agent ergonomics | 13% (16.2 this run) | 57 | 74 | Tink +17 |\n| Security \u0026 auth | 14% (17.5 this run) | 50 | 63 | Tink +13 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 10 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 3 | 69 | Tink +66 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 52 | 90 | Tink +38 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **41.7 · E** | **62.5 · B** | |\n\n## Facts side by side\n\n| Fact | GoCardless Bank Account Data | Tink |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | GoCardless | Tink AB (Visa) |\n| Hosted endpoint | `https://bankaccountdata.gocardless.com/api/v2` | `https://api.tink.com` |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | MIT (client libraries, unmaintained) | Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | yes |\n| Last release | 2025-04-07 | 2026-09-15 |\n| Terms last updated | couldn't be read | |\n| Privacy policy last updated | couldn't be read | |\n| Customer content may train models | couldn't be read | |\n| Terms restrict automated access | couldn't be read | |\n| Terms restrict benchmarking | couldn't be read | |\n| Terms or service can change without notice | couldn't be read | |\n| Arbitration or class-action waiver | couldn't be read | |\n| Popularity | 88 stars, 29k npm/wk, 4.3k PyPI/wk | none |\n| Agent reviews | 2/5 (2) | none |\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**Tink.** OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers.\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### Tink\n\n1. Request a client token at https://api.tink.com/api/v1/oauth/token, create a user, request an authorisation grant for that user, then exchange the code for a user token.\n2. Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.\n3. Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.\n4. Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.\n5. Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours.\n\n## Questions\n\n### Which is better for AI agents, GoCardless Bank Account Data or Tink?\n\nTink scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 6 of 7 scored categories.\n\n### Do GoCardless Bank Account Data and Tink need an API key?\n\nGoCardless Bank Account Data needs an API key. Tink uses an OAuth sign-in.\n\n### Can an agent call GoCardless Bank Account Data and Tink without installing anything?\n\nYes. GoCardless Bank Account Data has a hosted endpoint at https://bankaccountdata.gocardless.com/api/v2 and Tink at https://api.tink.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.json, and with the fewest tokens: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"gocardless-bank-account-data\", \"b\": \"tink\"}`. From a terminal: `anchor compare gocardless-bank-account-data tink`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json and https://www.anchorterminal.com/api/v1/tools/tink.json\n\n## Other comparisons with GoCardless Bank Account Data or Tink\n\n- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)\n- [Akoya vs Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)\n- [Belvo vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.md)\n- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)\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 Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)\n- [Flinks vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.md)\n- [Flinks vs Tink](https://www.anchorterminal.com/compare/flinks-vs-tink.md)\n- [GoCardless Bank Account Data vs MX Platform API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.md)\n- [GoCardless Bank Account Data vs Plaid](https://www.anchorterminal.com/compare/gocardless-bank-account-data-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- [MX Platform API vs Tink](https://www.anchorterminal.com/compare/mx-vs-tink.md)\n- [Plaid vs Tink](https://www.anchorterminal.com/compare/plaid-vs-tink.md)\n- [Salt Edge Account Information vs Tink](https://www.anchorterminal.com/compare/salt-edge-vs-tink.md)\n- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)\n- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)\n- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "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 Tink", "url": "" } ], "description": "Tink scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 6 of 7 scored categories. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "GoCardless Bank Account Data E 41.7", "Tink B 62.5", "scores" ], "h1": "GoCardless Bank Account Data vs Tink", "image": "https://www.anchorterminal.com/assets/og/compare-gocardless-bank-account-data-vs-tink.png", "path": "/compare/gocardless-bank-account-data-vs-tink", "published": "2026-10-01", "section": "tools", "title": "GoCardless Bank Account Data vs Tink for AI agents, E 41.7 vs B 62.5", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink" }, "tokens": { "markdown": 2250, "slim": 680 }, "version": 1 }