# 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. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/teller-vs-truelayer
- Markdown: https://www.anchorterminal.com/compare/teller-vs-truelayer.md (~1,400 tokens)
- Slim: https://www.anchorterminal.com/compare/teller-vs-truelayer.min.md (~330 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/teller-vs-truelayer.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: 2026-10-05

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

- Teller: grade E, 43/100, rank #410 of 452. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.json
- 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

## Which one, for what

Pick Teller for agent ergonomics (+7), payments & pricing (+30).

Pick TrueLayer for reliability (+48), schema & documentation (+45), security & auth (+17), maintenance & community (+30), transparency & trust (+21).

## Score by category

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

## Facts side by side

| 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) |

## Verdicts

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

**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.

## Before you call either

### 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

### TrueLayer

1. Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there
2. Send the user's IP when they're present, or a bank allows 4 calls a day per account
3. Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix
4. Set data_access_type to one_time for a single read and skip the 90-day reauthorisation
5. Append .md to any docs URL to get the page as Markdown

## Other comparisons with Teller or TrueLayer

- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)
- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.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 Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)
- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.md)
- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)
- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.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)