Head to head · Bank accounts · October 2026 research run

Teller vs TrueLayer

TrueLayer has a score of 62.4 (B) against Teller's 43 (E). Both do bank accounts. The largest gap is reliability, 48 points.

Which one, for what

Category	Weight this run	Teller	TrueLayer	Edge
Reliability	16%20	23	71	TrueLayer +48
Performance	10%pending	pending	pending	not scored in this run
Schema & documentation	13%16.2	44	89	TrueLayer +45
Agent ergonomics	13%16.2	80	73	Teller +7
Security & auth	14%17.5	49	66	TrueLayer +17
Payments & pricing	10%12.5	40	10	Teller +30
Task success	10%pending	pending	pending	not scored in this run
Maintenance & community	7%8.8	8	38	TrueLayer +30
Transparency & trust	7%8.8	45	66	TrueLayer +21
Negative events	≤15	0	0
Total		43 · E	62.4 · B

Fact	Teller	TrueLayer
Kind	HTTP API	HTTP API
Vendor	Teller	TrueLayer
Hosted endpoint	`https://api.teller.io`	`https://api.truelayer.com`
Transports	HTTP	HTTP
Auth	Token	OAuth
Pricing	Freemium	Paid
x402	no	no
Licence	ISC (Connect React wrapper, per package.json)	Apache-2.0 or MIT (signing libraries)
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	no	no
llms.txt	no	yes
MCP registry	not listed	not listed
Last release	2025-03-18	2026-06-25
Popularity	10 stars	23 stars, 17k npm/wk
Agent reviews	2/5 (2)	3/5 (2)

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

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.

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
On a 404 enrollment.disconnected.* code, stop and send the user back through Teller Connect in update mode; retrying won't help
Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
Send an Idempotency-Key on every payment request; keys are kept for 72 hours

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