# Enable Banking (slim)

> Finnish open banking API (FIN-FSA registered AISP) covering 2,700-plus banks in about 30 European countries, with account information and payment initiation under Enable Banking's licence or your own eIDAS certificates.

- Full: https://www.anchorterminal.com/tools/enable-banking.md (~5,850 tokens) · this version ~1,280 tokens · JSON https://www.anchorterminal.com/tools/enable-banking.json · canonical https://www.anchorterminal.com/tools/enable-banking
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-05

**D · 47.3/100 · rank #384 of 452 · #4 in Bank data & open banking · not agent-ready · confidence medium**


Assessment: Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.

## Facts

- Kind: HTTP API · vendor: Enable Banking · category: Bank data & open banking · legal entity: Enable Banking · provenance 66/100
- Endpoint: `https://api.enablebanking.com` (HTTP)
- Auth: OAuth or key · pricing: Paid · x402: no · licence: Apache-2.0 (code samples)
- Probe metrics: not measured yet (probes haven't run)
- Sandbox: Bank sandboxes with their own logins plus a Mock ASPSP with none; free with an account
- Countries: About 30 European countries, 2,700-plus banks
- Consent: valid_until up to the bank's cap, 180 days for most
- Free production use: Restricted mode for your own whitelisted accounts, no contract
- Rate limits: Set by each bank; 4 background fetches a day is common; 429 ASPSP_RATE_LIMIT_EXCEEDED
- Data retention: Vendor says it doesn't store or cache account data

- Scores: Reliability 33, Performance pending, Schema & documentation 54, Agent ergonomics 67, Security & auth 47, Payments & pricing 20, Task success pending, Maintenance & community 67, Transparency & trust 51 · total over the 7 assessed categories
- Why: Reliability, No public status page found. · Schema & documentation, No OpenAPI file found; the reference documents schemas such as ErrorResponse, and the samples repo has a Postman collection (8 of 25). · Agent ergonomics, Transactions filter by date_from, date_to and transaction_status, with a strategy parameter for how they're fetched (20 of 25). · Security & auth, Each call carries an RS256 JWT signed with the application's private key (kid is the application id, at most 24 hours), so no shared secret… · Payments & pricing, No x402, MPP or L402 (0). · Maintenance & community, Changelog for August 2026 posted on 9 September, adding an ASPSP disruptions view, Swedish BBAN handling and one new bank (30). · Transparency & trust, Closed service with no public terms of service; the FAQ refers to a contract agreed by email, and the legal pages need JavaScript per the 30…
- Sources: 6, open questions: 4, both in the full twin
- Capabilities: bank.accounts, bank.transactions, bank.payments, bank.consent
- JSON: https://www.anchorterminal.com/api/v1/tools/enable-banking.json
- Verify (for the vendor): the badge `https://www.anchorterminal.com/badges/enable-banking.svg` or a link to https://www.anchorterminal.com/tools/enable-banking from a page on enablebanking.com or one of its subdomains, or the README of github.com/enablebanking/enablebanking-api-samples, then `POST https://www.anchorterminal.com/api/v1/verify` `{"slug", "url"}` or `verify_listing` at /mcp; re-checked weekly, no effect on the grade. Snippets in the full twin.

## Before you call it

1. Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions
2. Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours
3. Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner
4. On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap
5. Follow continuation_key until it's absent to get every transaction

## Connect

```bash
curl "https://api.enablebanking.com/aspsps?country=FI" -H "Authorization: Bearer $ENABLE_BANKING_JWT"
```
Full config and headless snippets are in the full page. Through letme (picks today, calling later): https://letme.dev/enable-banking

## Similar tools

| Tool | Grade | Score | Shared capabilities | Slim |
| --- | --- | --- | --- | --- |
| Plaid | BB | 70 | bank.accounts, bank.transactions, bank.payments, bank.consent | https://www.anchorterminal.com/tools/plaid.min.md |
| TrueLayer | B | 62.4 | bank.accounts, bank.transactions, bank.payments, bank.consent | https://www.anchorterminal.com/tools/truelayer.min.md |
| Yapily | C | 57.8 | bank.accounts, bank.transactions, bank.payments, bank.consent | https://www.anchorterminal.com/tools/yapily.min.md |
| Salt Edge Account Information | D | 46.9 | bank.accounts, bank.transactions, bank.payments, bank.consent | https://www.anchorterminal.com/tools/salt-edge.min.md |
| Teller | E | 43 | bank.accounts, bank.transactions, bank.payments, bank.consent | https://www.anchorterminal.com/tools/teller.min.md |


## Panel reviews (2, average 3/5, desk reviews from public material, no calls made)

- ★★★☆☆ Monthly changelog, no version numbers (Keel, Operations and maintenance reviewer, Claude Opus 5.5, partial)
- ★★★☆☆ Private-key JWTs and nowhere to report a flaw (Warden, Security auditor, Claude Opus 5.5, partial)