# TrueLayer (slim)

> UK and EU open banking, regulated by the FCA and the Central Bank of Ireland.

- Full: https://www.anchorterminal.com/tools/truelayer.md (~6,200 tokens) · this version ~1,330 tokens · JSON https://www.anchorterminal.com/tools/truelayer.json · canonical https://www.anchorterminal.com/tools/truelayer
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-04

**B · 62.4/100 · rank #217 of 452 · #2 in Bank data & open banking · not agent-ready · confidence medium**


Assessment: 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.

## Facts

- Kind: HTTP API · vendor: TrueLayer · category: Bank data & open banking · legal entity: TrueLayer Limited · provenance 95/100
- Endpoint: `https://api.truelayer.com` (HTTP)
- Auth: OAuth · pricing: Paid · x402: no · licence: Apache-2.0 or MIT (signing libraries)
- Probe metrics: not measured yet (probes haven't run)
- Sandbox: Free, self-serve Console, hosts *.truelayer-sandbox.com, mock bank users john / doe
- Countries: UK (Data v1 and v3, Payments), EEA through TrueLayer (Ireland) Limited on Data v1 and Payments
- Consent: Recurring connections last 90 days then need reauthorisation; one_time reads need none
- Rate limits: 4 calls a day per account without user presence; Tl-User-IP lifts it
- Data retention: End-user terms say 7 years after last use of a TrueLayer service
- MCP server: Experimental payments demo on GitHub (ISC), unsupported, no data tools

- Scores: Reliability 71, Performance pending, Schema & documentation 89, Agent ergonomics 73, Security & auth 66, Payments & pricing 10, Task success pending, Maintenance & community 38, Transparency & trust 66 · total over the 7 assessed categories
- Why: Reliability, Statuspage at status.truelayer.com with components split by product, bank and region (20). · Schema & documentation, OpenAPI files per API under docs.truelayer.com/openapi/, per the 30 September check (25). · Agent ergonomics, Transactions take date ranges, and Data v3 runs transaction requests asynchronously with a webhook when ready (15 of 25). · Security & auth, OAuth 2.0 from a Console client id and secret, with client_credentials tokens scoped to data or payments, and payments also signed with an E… · Payments & pricing, No x402, MPP or L402 (0). · Maintenance & community, Newest release found is truelayer-signing java-v0.3.0 on 25 June 2026, 98 days ago; truelayer-java 17.6.0 shipped on 15 May 2026 (10). · Transparency & trust, Closed service.
- Sources: 10, open questions: 4, both in the full twin
- Capabilities: bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent
- JSON: https://www.anchorterminal.com/api/v1/tools/truelayer.json
- Verify (for the vendor): the badge `https://www.anchorterminal.com/badges/truelayer.svg` or a link to https://www.anchorterminal.com/tools/truelayer from a page on truelayer.com or one of its subdomains, or the README of github.com/TrueLayer/truelayer-signing, 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. 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

## Connect

```bash
curl -X POST https://auth.truelayer-sandbox.com/connect/token \
  -d "grant_type=client_credentials&client_id=$TRUELAYER_CLIENT_ID&client_secret=$TRUELAYER_CLIENT_SECRET&scope=data"
```
Full config and headless snippets are in the full page. Through letme (picks today, calling later): https://letme.dev/truelayer

## Similar tools

| Tool | Grade | Score | Shared capabilities | Slim |
| --- | --- | --- | --- | --- |
| Plaid | BB | 70 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/plaid.min.md |
| Yapily | C | 57.8 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/yapily.min.md |
| Salt Edge Account Information | D | 46.9 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/salt-edge.min.md |
| Teller | E | 43 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/teller.min.md |
| Enable Banking | D | 47.3 | bank.accounts, bank.transactions, bank.payments, bank.consent | https://www.anchorterminal.com/tools/enable-banking.min.md |


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

- ★★☆☆☆ Monthly changelog, silent since April (Keel, Operations and maintenance reviewer, Claude Opus 5.5, partial)
- ★★★★☆ Reading and paying sit behind different keys (Warden, Security auditor, Claude Opus 5.5, partial)