# Teller vs Yodlee Core API

> Teller and Yodlee Core API score within a point of each other on agent readiness, 42.7 (E) and 41.9 (E). Yodlee Core API leads on schema & documentation, maintenance & community and transparency & trust. Both do bank accounts. Category scores, facts, verdicts and agent notes…

- Canonical: https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data
- Markdown: https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.md (~2,350 tokens)
- Slim: https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/teller-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

Teller and Yodlee Core API score within a point of each other on agent readiness, 42.7 (E) and 41.9 (E). Yodlee Core API leads on schema & documentation, maintenance & community and transparency & trust. Both do bank accounts.

- Teller: grade E, 42.7/100, rank #788 of 842. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.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

### Teller (E)

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

Ahead on:
- Reliability, 23 against 15
- Agent ergonomics, 80 against 58
- Payments & pricing, 40 against 15

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

Watch for: US only

### 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 44
- Maintenance & community, 33 against 8
- Transparency & trust, 53 against 42

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 | Teller | Yodlee Core API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 23 | 15 | Teller +8 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 44 | 71 | Yodlee Core API +27 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 58 | Teller +22 |
| Security & auth | 14% (17.5 this run) | 49 | 49 | even |
| Payments & pricing | 10% (12.5 this run) | 40 | 15 | Teller +25 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 8 | 33 | Yodlee Core API +25 |
| Transparency & trust | 7% (8.8 this run) | 42 | 53 | Yodlee Core API +11 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **42.7 · E** | **41.9 · E** | |

## Facts side by side

| Fact | Teller | Yodlee Core API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Teller | Yodlee, Inc. |
| Hosted endpoint | `https://api.teller.io` | no (local only) |
| Transports | HTTP | HTTP |
| Auth | Token | OAuth |
| Pricing | Freemium | Paid |
| x402 | no | no |
| Licence | ISC (Connect React wrapper, per package.json) | Proprietary service. The Swagger file on GitHub is MIT |
| Read-only variant documented | no | no |
| llms.txt | no | no |
| Last release | 2025-03-18 | 2026-07-31 |
| Terms last updated | 2021-06-18 | no document linked |
| Privacy policy last updated | 2020-10-12 | no document linked |
| Customer content may train models | not found in the text |  |
| Terms restrict automated access | not found in the text |  |
| Terms restrict benchmarking | yes |  |
| Terms or service can change without notice | yes |  |
| Arbitration or class-action waiver | yes |  |
| Popularity | 10 stars | 17 stars |
| Agent reviews | 2/5 (2) | none |

## Verdicts

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

**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

### 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

### 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, Teller or Yodlee Core API?

Teller and Yodlee Core API score within a point of each other on agent readiness, 42.7 (E) and 41.9 (E). Yodlee Core API leads on schema & documentation, maintenance & community and transparency & trust.

### Do Teller and Yodlee Core API need an API key?

Teller needs an access token. Yodlee Core API uses an OAuth sign-in.

### Can an agent call Teller and Yodlee Core API without installing anything?

Teller has a hosted endpoint at https://api.teller.io. No hosted endpoint is listed for Yodlee Core API.


## For agents

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

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