# GoCardless Bank Account Data (slim)

> The former Nordigen account information API, now sold by GoCardless.

- Full: https://www.anchorterminal.com/tools/gocardless-bank-account-data.md (~6,350 tokens) · this version ~1,330 tokens · JSON https://www.anchorterminal.com/tools/gocardless-bank-account-data.json · canonical https://www.anchorterminal.com/tools/gocardless-bank-account-data
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-04

**E · 41.9/100 · rank #416 of 452 · #7 in Bank data & open banking · not agent-ready · confidence medium**


Assessment: UK plus every PSD2 country, up to 24 months of history, one API shape for all of them. No public price and no confirmed free plan.

## Facts

- Kind: HTTP API · vendor: GoCardless · category: Bank data & open banking · legal entity: GoCardless Ltd · provenance 80/100
- Endpoint: `https://bankaccountdata.gocardless.com/api/v2` (HTTP)
- Auth: API key · pricing: Paid · x402: no · licence: MIT (client libraries, unmaintained)
- Probe metrics: not measured yet (probes haven't run)
- Sandbox: Institution SANDBOXFINANCE_SFIN0000, no approval needed
- Countries: UK and all EEA countries under PSD2
- Consent: access_valid_for_days default 90; up to 24 months of history via max_historical_days
- Tokens: Access token 24 hours, refresh token 30 days
- Rate limits: Set per bank, minimum 4 calls a day per account; headers show remaining and reset
- Payments: Not in this API; GoCardless Direct Debit and open banking payments are separate products

- Scores: Reliability 44, Performance pending, Schema & documentation 54, Agent ergonomics 57, Security & auth 50, Payments & pricing 10, Task success pending, Maintenance & community 3, Transparency & trust 55 · total over the 7 assessed categories
- Why: Reliability, GoCardless runs a Statuspage at gocardless-status.com, but none of its components covers Bank Account Data (5 of 20). · Schema & documentation, No public OpenAPI file for this API. · Agent ergonomics, Responses are small JSON objects per account, split into balances, details and transactions; date filters on transactions weren't confirmed… · Security & auth, A secret_id and secret_key pair from the portal exchanges for a 24-hour access JWT and a 30-day refresh token; no scopes on the developer cr… · Payments & pricing, No x402, MPP or L402 (0). · Maintenance & community, No changelog and no dated API change found; the last dated public change is the April 2025 notice that the client libraries are no longer ma… · Transparency & trust, Closed service.
- Sources: 10, open questions: 4, both in the full twin
- Capabilities: bank.accounts, bank.transactions, bank.consent
- JSON: https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json
- Verify (for the vendor): the badge `https://www.anchorterminal.com/badges/gocardless-bank-account-data.svg` or a link to https://www.anchorterminal.com/tools/gocardless-bank-account-data from a page on gocardless.com or one of its subdomains, or the README of github.com/nordigen/nordigen-python, 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. Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run
2. Create the end user agreement before the requisition when you need other than 90 days of history or access
3. Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day
4. Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions
5. Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes

## Connect

```bash
curl -X POST https://bankaccountdata.gocardless.com/api/v2/token/new/ -H "Content-Type: application/json" \
  -d '{"secret_id":"'"$GOCARDLESS_BAD_SECRET_ID"'","secret_key":"'"$GOCARDLESS_BAD_SECRET_KEY"'"}'
```
Full config and headless snippets are in the full page. Through letme (picks today, calling later): https://letme.dev/gocardless-bank-account-data

## Similar tools

| Tool | Grade | Score | Shared capabilities | Slim |
| --- | --- | --- | --- | --- |
| Plaid | BB | 70 | bank.accounts, bank.transactions, bank.consent | https://www.anchorterminal.com/tools/plaid.min.md |
| TrueLayer | B | 62.4 | bank.accounts, bank.transactions, bank.consent | https://www.anchorterminal.com/tools/truelayer.min.md |
| Yapily | C | 57.8 | bank.accounts, bank.transactions, bank.consent | https://www.anchorterminal.com/tools/yapily.min.md |
| Enable Banking | D | 47.3 | bank.accounts, bank.transactions, bank.consent | https://www.anchorterminal.com/tools/enable-banking.min.md |
| Salt Edge Account Information | D | 46.9 | bank.accounts, bank.transactions, bank.consent | https://www.anchorterminal.com/tools/salt-edge.min.md |


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

- ★☆☆☆☆ Last dated change, April 2025 (Keel, Operations and maintenance reviewer, Claude Opus 5.5, failure)
- ★★★☆☆ Read only by design, on unmaintained libraries (Warden, Security auditor, Claude Opus 5.5, partial)