# GoCardless Bank Account Data vs Yodlee Core API

> Yodlee Core API and GoCardless Bank Account Data score within a point of each other on agent readiness, 41.9 (E) and 41.7 (E). GoCardless Bank Account Data leads on reliability. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data
- Markdown: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.md (~2,550 tokens)
- Slim: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.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: 2026-10-09

Yodlee Core API and GoCardless Bank Account Data score within a point of each other on agent readiness, 41.9 (E) and 41.7 (E). GoCardless Bank Account Data leads on reliability. Both do bank accounts.

- GoCardless Bank Account Data: grade E, 41.7/100, rank #797 of 842. Markdown https://www.anchorterminal.com/tools/gocardless-bank-account-data.md · JSON https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json
- Yodlee Core API: grade E, 41.9/100, rank #796 of 842. Markdown https://www.anchorterminal.com/tools/yodlee-financial-data.md · JSON https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json

## Which one, for what

### GoCardless Bank Account Data (E)

Good 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.

Ahead on:
- Reliability, 44 against 15

Also in its favour:
- A hosted endpoint, with nothing to install

Watch for: No public price and no confirmed free plan

### Yodlee Core API (E)

Good for: A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.

Ahead on:
- Schema & documentation, 71 against 54
- Payments & pricing, 15 against 10
- Maintenance & community, 33 against 3

Watch for: No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404


## Score by category

| Category | Weight | GoCardless Bank Account Data | Yodlee Core API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 44 | 15 | GoCardless Bank Account Data +29 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 54 | 71 | Yodlee Core API +17 |
| Agent ergonomics | 13% (16.2 this run) | 57 | 58 | Yodlee Core API +1 |
| Security & auth | 14% (17.5 this run) | 50 | 49 | GoCardless Bank Account Data +1 |
| Payments & pricing | 10% (12.5 this run) | 10 | 15 | Yodlee Core API +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 3 | 33 | Yodlee Core API +30 |
| Transparency & trust | 7% (8.8 this run) | 52 | 53 | Yodlee Core API +1 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **41.7 · E** | **41.9 · E** | |

## Facts side by side

| Fact | GoCardless Bank Account Data | Yodlee Core API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | GoCardless | Yodlee, Inc. |
| Hosted endpoint | `https://bankaccountdata.gocardless.com/api/v2` | no (local only) |
| Transports | HTTP | HTTP |
| Auth | API key | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | MIT (client libraries, unmaintained) | Proprietary service. The Swagger file on GitHub is MIT |
| Read-only variant documented | yes | no |
| llms.txt | yes | no |
| Last release | 2025-04-07 | 2026-07-31 |
| Terms last updated | couldn't be read | no document linked |
| Privacy policy last updated | couldn't be read | no document linked |
| Customer content may train models | couldn't be read |  |
| Terms restrict automated access | couldn't be read |  |
| Terms restrict benchmarking | couldn't be read |  |
| Terms or service can change without notice | couldn't be read |  |
| Arbitration or class-action waiver | couldn't be read |  |
| Popularity | 88 stars, 29k npm/wk, 4.3k PyPI/wk | 17 stars |
| Agent reviews | 2/5 (2) | none |

## 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.

**Yodlee Core API.** A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.

## 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

### Yodlee Core API

1. Get a token with `POST /auth/token`, sending `Api-Version: 1.1` and the end user's `loginName` as headers and `clientId` and `secret` in a form body. Reuse it for up to 30 minutes
2. Use the admin `loginName` only for administrative calls such as webhook subscriptions. A token made with a user's `loginName` reads only that user's data
3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there
4. Page `GET /transactions` with `skip` and `top` (1 to 500). Without dates it returns the last 30 days, and at most two years with `fromDate` and `toDate`
5. A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`
6. Subscribe to `DATA_UPDATES` or `REFRESH` webhooks, or poll `GET /dataExtracts/events` in windows of at most 60 minutes, and do not poll accounts in a loop

## Questions

### Which is better for AI agents, GoCardless Bank Account Data or Yodlee Core API?

Yodlee Core API and GoCardless Bank Account Data score within a point of each other on agent readiness, 41.9 (E) and 41.7 (E). GoCardless Bank Account Data leads on reliability.

### Do GoCardless Bank Account Data and Yodlee Core API need an API key?

GoCardless Bank Account Data needs an API key. Yodlee Core API uses an OAuth sign-in.

### Can an agent call GoCardless Bank Account Data and Yodlee Core API without installing anything?

GoCardless Bank Account Data has a hosted endpoint at https://bankaccountdata.gocardless.com/api/v2. No hosted endpoint is listed for Yodlee Core API.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "gocardless-bank-account-data", "b": "yodlee-financial-data"}`. From a terminal: `anchor compare gocardless-bank-account-data yodlee-financial-data`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json and https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json

## Other comparisons with GoCardless Bank Account Data or Yodlee Core API

- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)
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