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APIs · head to head

Microsoft Azure API Management vs Enable Banking

Microsoft Azure API Management logo

Microsoft Azure API Management

APIs

Hybrid, multi-cloud API management service on Azure

From
Free
Rated
-
Full reviewWebsite
Enable Banking logo

Enable Banking

APIs

European bank API aggregation with a free restricted production tier for your own accounts

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Microsoft Azure API Management prices are not shown on the pricing page itself; every tier renders as a placeholder and routes to the calculator or sales; Enable Banking production pricing is quoted per connected account and call volume with no published rate card, so a free proof of concept gives you no idea of cost at scale.
  • They diverge on capability: Microsoft Azure API Management covers API Gateway, Enable Banking covers European bank coverage.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Microsoft Azure API Management and Enable Banking actually diverge.

Attributes where Microsoft Azure API Management and Enable Banking differ
AttributeMicrosoft Azure API ManagementEnable Banking
Pricing modelsubscriptionPer connected account per month
PlatformsCloud, Hybrid, Multi-cloudWeb, REST API
Founded1975Unknown

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Microsoft Azure API Management

  • API Gateway
  • Developer Portal
  • API Policies
  • Azure services
  • AWS
  • Google Cloud
  • On-premises
  • Cloud support

Only in Enable Banking

  • European bank coverage
  • Free sandbox
  • Restricted production
  • TPP infrastructure as a service
  • Consent handling
  • Payment initiation

What people use each for

The jobs each tool is most often brought in to do.

Microsoft Azure API Management

  • API gateway and lifecycle management on Azurenot Enable Banking
  • Throttling, keys and policies in front of backend servicesnot Enable Banking
  • Developer portal for internal and partner APIsnot Enable Banking
  • Hybrid deployments using self-hosted gatewaysnot Enable Banking

Enable Banking

  • A small fintech that needs to operate as an agent rather than wait a year for its own AISP authorisationnot Microsoft Azure API Management
  • An accounting software vendor pulling bank transactions across several European countriesnot Microsoft Azure API Management
  • A treasury tool building and testing a real integration before committing to a contractnot Microsoft Azure API Management
  • A lender verifying applicant income from bank data across the Nordics and the EUnot Microsoft Azure API Management

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Microsoft Azure API Management

  • Prices are not shown on the pricing page itself; every tier renders as a placeholder and routes to the calculator or sales
  • Two parallel generations of tiers, classic and v2, so the choice is which lineage before which size
  • The Developer tier is explicitly not for production
  • Self-hosted gateways and workspace gateways are charged separately from the service

Enable Banking

  • Production pricing is quoted per connected account and call volume with no published rate card, so a free proof of concept gives you no idea of cost at scale.
  • Coverage is European, which rules it out as a single supplier for anyone needing UK plus North American bank data as well.
  • Operating as an agent under the Enable Banking licence means your regulatory permission depends on another company remaining authorised and willing to sponsor you.
  • Bank API quality varies widely across Europe, and outages or degraded endpoints at individual institutions surface as failures in your own product.
  • It is a small Finnish company selling into regulated financial services, so enterprise procurement and vendor resilience reviews are a recurring obstacle.

Pricing, plan by plan

Microsoft Azure API Management

Free
  • ConsumptionFree
    • 0-1 million API operations free monthly per subscription
  • Basic v2$undefined/mo
    • 10 million API requests included monthly
  • Standard v2$undefined/mo
    • 50 million API requests included monthly
  • Premium v2$undefined/mo
    • Unlimited included API requests

Enable Banking

Free
  • Sandbox and restricted productionFree
    • Mock and real bank sandbox access
    • Production access limited to accounts you link yourself
    • Full API surface for development and certification
  • Production$undefined/year
    • Quoted by connected accounts per month and call volume
    • Priced by number of institutions and markets in scope
    • Different rates under your own licence or as an agent

Which should you pick?

Choose Microsoft Azure API Management if

  • You need api gateway.
  • You want to start without paying.
  • You work on Cloud, Hybrid, Multi-cloud.
  • You also want developer portal.
Microsoft Azure API Management review

Choose Enable Banking if

  • You need european bank coverage.
  • You want to start without paying.
  • You work on Web, REST API.
  • You also want free sandbox.
Enable Banking review

Questions people ask

Is Microsoft Azure API Management or Enable Banking better?
Neither clearly leads. Microsoft Azure API Management starts at Free and Enable Banking at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Microsoft Azure API Management or Enable Banking?
Microsoft Azure API Management starts at Free and Enable Banking at Free.
Does Microsoft Azure API Management or Enable Banking run on more platforms?
Microsoft Azure API Management runs on Cloud, Hybrid, Multi-cloud. Enable Banking runs on Web, REST API.
Can I use Microsoft Azure API Management for free?
Both have a free tier, so you can try either at no cost before committing.
What is Microsoft Azure API Management best used for?
Microsoft Azure API Management is most often used for api gateway and lifecycle management on azure, throttling, keys and policies in front of backend services, developer portal for internal and partner apis, hybrid deployments using self-hosted gateways. Of those, api gateway and lifecycle management on azure and throttling, keys and policies in front of backend services are not what Enable Banking is typically brought in for.
What can Microsoft Azure API Management do that Enable Banking cannot?
Microsoft Azure API Management covers API Gateway, Developer Portal, API Policies, Azure services. Enable Banking covers European bank coverage, Free sandbox, Restricted production, TPP infrastructure as a service.

Answered from the vendors’ own pages

Microsoft Azure API Management: Is Azure API Management free?

Azure API Management offers a Consumption tier with a free tier that includes 0-1 million API operations per subscription monthly at no cost, then charges per operation beyond that. Classic Consumption tier is pay-as-you-go billing.

Source
Enable Banking: Is there really a free tier?

Yes, sandbox plus restricted production against accounts you link yourself. Commercial third-party access is quoted separately.

Microsoft Azure API Management: What are the API request limits for Azure API Management's v2 tiers?

Basic v2 includes 10 million API requests monthly, Standard v2 includes 50 million monthly, and Premium v2 includes unlimited API requests. Additional requests beyond included amounts incur standard rates.

Source
Enable Banking: Do I need my own AISP licence?

No. Enable Banking offers third-party provider infrastructure as a service so you can operate as an agent under its authorisation.

Microsoft Azure API Management: What cache capacity does each Azure API Management tier provide?

Basic v2 provides 250 MB built-in cache, Standard v2 provides 1 GB cache, and Premium v2 provides 5 GB cache capacity for response caching.

Source
Enable Banking: How is production priced?

By connected accounts per month and call volume, adjusted for markets in scope and whether you use your own licence.

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Related pages

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