{
  "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": "2026-10-05T01:13:06.853570546Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 78,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 70,
          "p95ms24h": 109,
          "samples24h": 272,
          "samples30d": 914,
          "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": 14,
              "ok": 14
            }
          ]
        },
        "vendorStatus": {
          "page": "https://www.gocardless-status.com",
          "indicator": "minor",
          "summary": "Partial System Degradation",
          "checkedAt": "2026-10-05T01:14:13.381945283Z"
        },
        "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": "2026-10-05T01:14:13.381945283Z"
      }
    },
    "b": {
      "slug": "truelayer",
      "name": "TrueLayer",
      "vendor": "TrueLayer",
      "vendorUrl": "https://truelayer.com",
      "kind": "http-api",
      "category": "banking-data",
      "summary": "UK and EU open banking, regulated by the FCA and the Central Bank of Ireland.",
      "url": "https://www.anchorterminal.com/tools/truelayer",
      "markdownUrl": "https://www.anchorterminal.com/tools/truelayer.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/truelayer.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/truelayer.json",
      "repo": "https://github.com/TrueLayer/truelayer-signing",
      "license": "Apache-2.0 or MIT (signing libraries)",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://api.truelayer.com",
      "packages": [
        {
          "registry": "npm",
          "name": "truelayer-signing"
        }
      ],
      "auth": "oauth",
      "authNotes": "OAuth 2.0 from the Console's client id and secret. Data API v3 takes a client_credentials token with scope `data` from https://auth.truelayer.com/connect/token (auth.truelayer-sandbox.com in sandbox); the end user then authorises on a TrueLayer-hosted page. Data API v1 uses the authorisation code flow with refresh tokens. Payments API v3 also needs every request signed with an EC secp521r1 private key (Tl-Signature header) whose public half is uploaded to the Console.",
      "pricing": "paid",
      "pricingNotes": "No price list on the site (truelayer.com/pricing returns 404, checked 2026-09-30) and none in the docs or llms.txt (https://docs.truelayer.com/llms.txt). Sign-up in the Console is self-serve and the sandbox is free (https://docs.truelayer.com/docs/quickstart-make-a-payment). Live data and payments are priced by contract.",
      "priceSummary": "Paid",
      "where": "hosted",
      "x402": {
        "level": "no",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": 23,
        "npmWeekly": 16811,
        "pypiWeekly": null,
        "asOf": "2026-09-30"
      },
      "docsUrl": "https://docs.truelayer.com",
      "llmsTxt": "https://docs.truelayer.com/llms.txt",
      "openapi": "https://docs.truelayer.com/openapi/",
      "capabilities": [
        "bank.accounts",
        "bank.transactions",
        "bank.identity",
        "bank.payments",
        "bank.consent"
      ],
      "tags": [
        "hosted",
        "llms-txt",
        "openapi",
        "oauth",
        "webhooks",
        "uk",
        "eu",
        "enterprise",
        "closed-source"
      ],
      "lastRelease": "2026-06-25",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 62.4,
        "grade": "B",
        "agentReady": false,
        "rank": 217,
        "ranked": true,
        "rankOf": 452,
        "categoryRank": 2,
        "methodology": "0.3",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 73,
          "maintenance": 38,
          "payments": 10,
          "reliability": 71,
          "schema": 89,
          "security": 66,
          "transparency": 66
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-01"
        },
        "negative": 0,
        "verdict": "FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.",
        "strengths": [
          "FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself",
          "Data API errors list 23 codes, each marked retryable or not",
          "Markdown twin of every docs page, llms.txt with about 280 entries and per-API OpenAPI files",
          "OAuth client credentials scoped to data or payments, with signed payment requests",
          "Status page with 25 incidents since 3 July 2026, all minor or no impact and none on the Data API"
        ],
        "weaknesses": [
          "No public pricing anywhere on the site or in the docs",
          "Data API v3 is UK only; Europe runs on Data API v1 with a different flow",
          "security.txt expired on 6 May 2026 and hadn't been renewed by 1 October",
          "No changelog entry since 23 April 2026 and no SDK release since 25 June 2026",
          "TrueLayer's own rate limits aren't published, only the banks' 4-a-day cap"
        ],
        "agentNotes": [
          "Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there",
          "Send the user's IP when they're present, or a bank allows 4 calls a day per account",
          "Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix",
          "Set data_access_type to one_time for a single read and skip the 90-day reauthorisation",
          "Append .md to any docs URL to get the page as Markdown"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 2,
        "avgRating": 3,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "B",
            "methodology": "0.3",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 62.4
          }
        ],
        "editorialScores": {
          "ergonomics": 73,
          "maintenance": 38,
          "payments": 10,
          "reliability": 71,
          "schema": 89,
          "security": 66,
          "transparency": 37
        },
        "provenanceScore": 95
      },
      "connect": {
        "http": "curl -X POST https://auth.truelayer-sandbox.com/connect/token \\\n  -d \"grant_type=client_credentials\u0026client_id=$TRUELAYER_CLIENT_ID\u0026client_secret=$TRUELAYER_CLIENT_SECRET\u0026scope=data\""
      },
      "letme": {
        "capability": "https://letme.dev/bank.accounts",
        "tool": "https://letme.dev/truelayer"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "TrueLayer Limited",
        "domain": "truelayer.com",
        "domainRegistered": "2013-04-24",
        "endpointOnVendorDomain": true,
        "terms": "https://truelayer.com/legal/enduser_tos/",
        "privacy": "https://truelayer.com/legal/enduser_tos/#consumer-privacy-notice",
        "statusPage": "https://status.truelayer.com",
        "changelog": "https://docs.truelayer.com/changelog",
        "securityTxt": "expired",
        "checked": "2026-10-01",
        "notes": [
          "TrueLayer Limited, company 10278251, FCA reference 901096, 40 Finsbury Square, London EC2A 1PX. TrueLayer (Ireland) Limited, company 671615, Central Bank of Ireland C433487, covers the EEA.",
          "The public legal page carries end-user terms updated 12 May 2026; the developer contract is agreed in the Console and isn't published.",
          "security.txt expired 2026-05-06 and was still expired on 2026-10-01; it points to a disclosure programme and a bug bounty on Intigriti.",
          "The docs changelog is monthly, newest entry 23 April 2026.",
          "rdap.org returned 403; the registration date is from Verisign's RDAP server."
        ],
        "score": 95
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/truelayer.json",
      "live": {
        "slug": "truelayer",
        "probe": {
          "target": "https://api.truelayer.com",
          "method": "get",
          "lastAt": "2026-10-05T01:13:15.673173016Z",
          "lastOk": true,
          "lastStatus": 401,
          "lastMs": 36,
          "lastNote": "asks for credentials",
          "authRequired": true,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 36,
          "p95ms24h": 112,
          "samples24h": 272,
          "samples30d": 914,
          "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": 14,
              "ok": 14
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.truelayer.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-05T01:14:29.003684809Z"
        },
        "versions": [
          {
            "registry": "github",
            "name": "TrueLayer/truelayer-signing",
            "version": "java-v0.3.0",
            "released": "2026-06-25",
            "seenAt": "2026-10-04T16:42:18.908461182Z"
          },
          {
            "registry": "npm",
            "name": "truelayer-signing",
            "version": "0.2.3",
            "seenAt": "2026-10-04T16:42:18.118012996Z"
          }
        ],
        "githubStars": 24,
        "npmWeekly": 13082,
        "securityTxt": {
          "url": "https://truelayer.com/.well-known/security.txt",
          "state": "expired",
          "expires": "2026-05-06T22:59:00.000Z",
          "checkedAt": "2026-10-04T15:15:47.212328885Z"
        },
        "llmsTxt": {
          "url": "https://docs.truelayer.com/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-04T15:18:18.56065131Z"
        },
        "domain": {
          "domain": "truelayer.com",
          "registered": "2013-04-24",
          "source": "https://rdap.verisign.com/com/v1/domain/truelayer.com",
          "checkedAt": "2026-10-04T13:04:41.916298803Z"
        },
        "pages": [
          {
            "url": "https://docs.truelayer.com/changelog",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-04T15:44:09.902710707Z",
            "changedAt": "2026-10-04T15:44:09.902710707Z",
            "fingerprint": "93f31b6cb9db"
          },
          {
            "url": "https://truelayer.com/legal/enduser_tos/",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-04T15:48:31.488091298Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "29790d7333ca"
          }
        ],
        "updatedAt": "2026-10-05T01:14:29.003684809Z"
      }
    },
    "summary": "TrueLayer has a score of 62.4 (B) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is schema \u0026 documentation, 35 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-truelayer",
    "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.md",
    "slim": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.min.md"
  },
  "markdown": "TrueLayer has a score of 62.4 (B) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is schema \u0026 documentation, 35 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- TrueLayer: grade B, 62.4/100, rank #217 of 452. Markdown https://www.anchorterminal.com/tools/truelayer.md · JSON https://www.anchorterminal.com/api/v1/tools/truelayer.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 TrueLayer for reliability (+27), schema \u0026 documentation (+35), agent ergonomics (+16), security \u0026 auth (+16), maintenance \u0026 community (+35), transparency \u0026 trust (+11).\n\n## Score by category\n\n| Category | Weight | GoCardless Bank Account Data | TrueLayer | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 44 | 71 | TrueLayer +27 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 54 | 89 | TrueLayer +35 |\n| Agent ergonomics | 13% (16.2 this run) | 57 | 73 | TrueLayer +16 |\n| Security \u0026 auth | 14% (17.5 this run) | 50 | 66 | TrueLayer +16 |\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 | 38 | TrueLayer +35 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 55 | 66 | TrueLayer +11 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **41.9 · E** | **62.4 · B** | |\n\n## Facts side by side\n\n| Fact | GoCardless Bank Account Data | TrueLayer |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | GoCardless | TrueLayer |\n| Hosted endpoint | `https://bankaccountdata.gocardless.com/api/v2` | `https://api.truelayer.com` |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | MIT (client libraries, unmaintained) | Apache-2.0 or MIT (signing libraries) |\n| Tools exposed | none | none |\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 | 2026-06-25 |\n| Popularity | 88 stars, 29k npm/wk, 4.3k PyPI/wk | 23 stars, 17k npm/wk |\n| Agent reviews | 2/5 (2) | 3/5 (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**TrueLayer.** FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.\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### TrueLayer\n\n1. Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there\n2. Send the user's IP when they're present, or a bank allows 4 calls a day per account\n3. Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix\n4. Set data_access_type to one_time for a single read and skip the 90-day reauthorisation\n5. Append .md to any docs URL to get the page as Markdown\n\n## Other comparisons with GoCardless Bank Account Data or TrueLayer\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 TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.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 Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md)\n- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.md)\n- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.md)\n- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)\n- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-vs-yapily.md)\n",
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      {
        "name": "GoCardless Bank Account Data vs TrueLayer",
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    "description": "TrueLayer has a score of 62.4 (B) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is schema \u0026 documentation, 35 points. Category scores, facts, verdicts and agent notes side by side.",
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    "title": "GoCardless Bank Account Data vs TrueLayer for AI agents",
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