# GoCardless Bank Account Data vs Yapily

> Yapily has a score of 57.8 (C) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is maintenance & community, 64 points. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily
- Markdown: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md (~1,450 tokens)
- Slim: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.min.md (~380 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.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

Yapily has a score of 57.8 (C) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is maintenance & community, 64 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
- Yapily: grade C, 57.8/100, rank #289 of 452. Markdown https://www.anchorterminal.com/tools/yapily.md · JSON https://www.anchorterminal.com/api/v1/tools/yapily.json

## Which one, for what

Pick GoCardless Bank Account Data for security & auth (+13).

Pick Yapily for reliability (+11), schema & documentation (+34), agent ergonomics (+20), maintenance & community (+64), transparency & trust (+18).

## Score by category

| Category | Weight | GoCardless Bank Account Data | Yapily | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 44 | 55 | Yapily +11 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 54 | 88 | Yapily +34 |
| Agent ergonomics | 13% (16.2 this run) | 57 | 77 | Yapily +20 |
| Security & auth | 14% (17.5 this run) | 50 | 37 | GoCardless Bank Account Data +13 |
| 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 | 67 | Yapily +64 |
| Transparency & trust | 7% (8.8 this run) | 55 | 73 | Yapily +18 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **41.9 · E** | **57.8 · C** | |

## Facts side by side

| Fact | GoCardless Bank Account Data | Yapily |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | GoCardless | Yapily |
| Hosted endpoint | `https://bankaccountdata.gocardless.com/api/v2` | `https://api.yapily.com` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Auth | API key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | MIT (client libraries, unmaintained) | MIT (SDKs) |
| 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 | yes |
| MCP registry | not listed | not listed |
| Last release | 2025-04-07 | 2025-06-30 |
| Popularity | 88 stars, 29k npm/wk, 4.3k PyPI/wk | 14 stars, 50 npm/wk |
| 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.

**Yapily.** llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form.

## 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

### Yapily

1. Read llms-full.txt once and cache it; it's the whole documentation in one fetch
2. Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty
3. Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation
4. Check the error source field first; USER and INSTITUTION failures won't clear on retry
5. In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days

## Other comparisons with GoCardless Bank Account Data or Yapily

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