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APIs · head to head

Enable Banking vs Flybits

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
Flybits logo

Flybits

APIs

Contextual personalisation and decisioning platform for financial institutions

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Enable Banking has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Flybits its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.
  • They diverge on capability: Enable Banking covers European bank coverage, Flybits covers Contextual decisioning engine.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Enable Banking and Flybits actually diverge.

Attributes where Enable Banking and Flybits differ
AttributeEnable BankingFlybits
Starting priceFreeOn request
Pricing modelPer connected account per monthquote
Free tierYesNo
PlatformsWeb, REST APIWeb, iOS, Android

Identical on both: 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 Enable Banking

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

Only in Flybits

  • Contextual decisioning engine
  • Non-technical configuration
  • Agentic Banking capability
  • Customer data unification
  • Card-linked offers
  • Real-time insight delivery

What people use each for

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

Enable Banking

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

Flybits

  • A bank wanting to move from generic segment-based marketing to individually contextual offers and messagesnot Enable Banking
  • A product team wanting to configure personalisation rules without needing engineering support for every changenot Enable Banking
  • A bank wanting card-linked contextual offers tied to transaction datanot Enable Banking
  • A financial institution exploring an agentic AI interaction layer across cards, loans and depositsnot Enable Banking

Where each one falls short

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

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.

Flybits

  • Its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.
  • The newer Agentic Banking capability is recent enough that long-term reliability, accuracy and customer trust data at scale are still limited compared with its longer-established contextual decisioning engine.
  • Pricing is not published, requiring a licensing negotiation per institution.
  • As with Meniga, it is a white-label layer rather than a consumer-facing brand, making independent reputation and reliability harder for a prospective bank client to verify directly.
  • Expanding from a rules-based personalisation engine into agentic AI interaction is a significant scope and complexity increase, and a bank evaluating it today should confirm which capabilities are mature and in production versus newly launched.

Pricing, plan by plan

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

Flybits

On request
  • Flybits$undefined/year
    • Pricing not published, licensed per financial institution deployment

Which should you pick?

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

Choose Flybits if

  • You need contextual decisioning engine.
  • You work on Web, iOS, Android.
  • You also want non-technical configuration.
Flybits review

Questions people ask

Is Enable Banking or Flybits better?
Neither clearly leads. Enable Banking starts at Free and Flybits at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enable Banking or Flybits?
Enable Banking has a free tier; the other does not. Paid plans start at Free for Enable Banking and On request for Flybits.
Does Enable Banking or Flybits run on more platforms?
Enable Banking runs on Web, REST API. Flybits runs on Web, iOS, Android.
Can I use Enable Banking for free?
Yes. Enable Banking has a free tier, so you can try it without paying. Flybits starts at On request.
What is Enable Banking best used for?
Enable Banking is most often used for a small fintech that needs to operate as an agent rather than wait a year for its own aisp authorisation, an accounting software vendor pulling bank transactions across several european countries, a treasury tool building and testing a real integration before committing to a contract, a lender verifying applicant income from bank data across the nordics and the eu. Of those, a small fintech that needs to operate as an agent rather than wait a year for its own aisp authorisation and an accounting software vendor pulling bank transactions across several european countries are not what Flybits is typically brought in for.
What can Enable Banking do that Flybits cannot?
Enable Banking covers European bank coverage, Free sandbox, Restricted production, TPP infrastructure as a service. Flybits covers Contextual decisioning engine, Non-technical configuration, Agentic Banking capability, Customer data unification.

Answered from the vendors’ own pages

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.

Flybits: Does Flybits require engineering support to run campaigns?

No, it is designed so marketing and product teams can configure personalisation rules directly.

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.

Flybits: What is Agentic Banking?

A newer Flybits capability introducing AI agents as an interaction layer unifying cards, loans and deposits into conversational banking experiences.

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.

Flybits: Is pricing published?

No, it is licensed per financial institution and requires a quote.

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