# Powens vs Teller

> Teller and Powens score within a point of each other for bank account data, 42.7 and 42.6 out of 100. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/powens-vs-teller
- Markdown: https://www.anchorterminal.com/compare/powens-vs-teller.md (~2,300 tokens)
- Slim: https://www.anchorterminal.com/compare/powens-vs-teller.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/powens-vs-teller.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

Teller and Powens score within a point of each other on agent readiness, 42.7 (E) and 42.6 (E). Powens leads on security & auth, maintenance & community and transparency & trust. Both do bank account data.

- Powens: grade E, 42.6/100, rank #892 of 950. Markdown https://www.anchorterminal.com/tools/powens.md · JSON https://www.anchorterminal.com/api/v1/tools/powens.json
- Teller: grade E, 42.7/100, rank #889 of 950. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.json
- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md
- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md

## Which one, for what

### Powens (E)

Good for: A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.

Ahead on:
- Security & auth, 60 against 49
- Maintenance & community, 33 against 8
- Transparency & trust, 63 against 42

Watch for: No OpenAPI or other machine-readable contract was found. The reference is hand-written tables

### Teller (E)

Good for: Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.

Ahead on:
- Agent ergonomics, 80 against 57
- Payments & pricing, 40 against 10

Watch for: US only


## Score by category

| Category | Weight | Powens | Teller | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 27 | 23 | Powens +4 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 48 | 44 | Powens +4 |
| Agent ergonomics | 13% (16.2 this run) | 57 | 80 | Teller +23 |
| Security & auth | 14% (17.5 this run) | 60 | 49 | Powens +11 |
| Payments & pricing | 10% (12.5 this run) | 10 | 40 | Teller +30 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 33 | 8 | Powens +25 |
| Transparency & trust | 7% (8.8 this run) | 63 | 42 | Powens +21 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **42.6 · E** | **42.7 · E** | |

## Facts side by side

| Fact | Powens | Teller |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Powens SAS | Teller |
| Hosted endpoint | `https://{domain}.biapi.pro/2.0` | `https://api.teller.io` |
| Transports | HTTP | HTTP |
| Auth | OAuth or key | Token |
| Pricing | Paid | Freemium |
| x402 | no | no |
| Licence | Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0 | ISC (Connect React wrapper, per package.json) |
| Read-only variant documented | yes | no |
| llms.txt | yes | no |
| Last release | none | 2025-03-18 |
| Terms last updated | no date given | 2021-06-18 |
| Privacy policy last updated | no date given | 2020-10-12 |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | not found in the text | yes |
| Arbitration or class-action waiver | not found in the text | yes |
| Popularity | none | 10 stars |
| Agent reviews | none | 2/5 (2) |

## Verdicts

**Powens.** Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order.

**Teller.** Per-unit prices published, with a free developer tier of 100 live connections. US only.

## Before you call either

### Powens

1. Ask the owner for the domain name, client ID and client secret from the console. Every call goes to `https://{domain}.biapi.pro/2.0`
2. Send `limit` on every transactions list. It is required, at most 1,000, and the next page comes from `_links.next.href` used as given
3. Enable an account with `POST` and `{"disabled": false}` only after the account holder consents. Accounts arrive disabled with no transactions
4. Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header
5. Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks

### Teller

1. In sandbox call https://api.teller.io/accounts with -u "$TELLER_ACCESS_TOKEN:" and no certificate; add the client certificate only for development and production
2. On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help
3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
5. Send an Idempotency-Key on every payment request; keys are kept for 72 hours

## Questions

### Which is better for AI agents, Powens or Teller?

Teller and Powens score within a point of each other on agent readiness, 42.7 (E) and 42.6 (E). Powens leads on security & auth, maintenance & community and transparency & trust.

### Do Powens and Teller need an API key?

Powens takes an API key or an OAuth sign-in. Teller needs an access token.

### Can an agent call Powens and Teller without installing anything?

Yes. Powens has a hosted endpoint at https://{domain}.biapi.pro/2.0 and Teller at https://api.teller.io.


## For agents

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

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- [Powens vs Yodlee Core API](https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.md)
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