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APIs · head to head

Enable Banking vs GraphQL Apollo

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
GraphQL Apollo logo

GraphQL Apollo

APIs

Complete platform for building GraphQL APIs

From
Free
Rated
-
Full reviewWebsite

The short version

  • 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.; GraphQL Apollo standard and Enterprise plans require sales contact for custom pricing
  • They diverge on capability: Enable Banking covers European bank coverage, GraphQL Apollo covers Apollo Server.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Enable Banking and GraphQL Apollo actually diverge.

Attributes where Enable Banking and GraphQL Apollo differ
AttributeEnable BankingGraphQL Apollo
Pricing modelPer connected account per monthfreemium
PlatformsWeb, REST APIJavaScript, Node.js, Web, Mobile
FoundedUnknown2016

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 Enable Banking

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

Only in GraphQL Apollo

  • Apollo Server
  • Apollo Client
  • GraphQL Federation
  • REST APIs
  • Microservices
  • Databases
  • JavaScript support
  • Node.js support

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 GraphQL Apollo
  • An accounting software vendor pulling bank transactions across several European countriesnot GraphQL Apollo
  • A treasury tool building and testing a real integration before committing to a contractnot GraphQL Apollo
  • A lender verifying applicant income from bank data across the Nordics and the EUnot GraphQL Apollo

GraphQL Apollo

  • GraphQL API managementnot Enable Banking
  • Schema federationnot Enable Banking
  • API analytics and monitoringnot Enable Banking
  • Developer-focused infrastructurenot 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.

GraphQL Apollo

  • Standard and Enterprise plans require sales contact for custom pricing
  • Free plan limited to 3 developers and 1-day retention
  • Self-hosted router on free tier heavily rate-limited to 60 requests/minute

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

GraphQL Apollo

Free
  • FreeFree
    • 3 developers
    • 1-day data retention
    • Community support only
  • Developer$5/per million requests
    • $50 usage credit for new signups
    • Up to 10 developers
    • 7-day data retention
  • Standard$null/custom
    • Up to 30 developers
    • 90-day data retention
    • Standard support with SLA (8x5)
  • Enterprise$null/custom
    • Unlimited developers
    • 18-month data retention
    • Business support 24x7x365 with SLA

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 GraphQL Apollo if

  • You need apollo server.
  • You want to start without paying.
  • You work on JavaScript, Node.js, Web, Mobile.
  • You also want apollo client.
GraphQL Apollo review

Questions people ask

Is Enable Banking or GraphQL Apollo better?
Neither clearly leads. Enable Banking starts at Free and GraphQL Apollo at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enable Banking or GraphQL Apollo?
Enable Banking starts at Free and GraphQL Apollo at Free.
Does Enable Banking or GraphQL Apollo run on more platforms?
Enable Banking runs on Web, REST API. GraphQL Apollo runs on JavaScript, Node.js, Web, Mobile.
Can I use Enable Banking for free?
Both have a free tier, so you can try either at no cost before committing.
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 GraphQL Apollo is typically brought in for.
What can Enable Banking do that GraphQL Apollo cannot?
Enable Banking covers European bank coverage, Free sandbox, Restricted production, TPP infrastructure as a service. GraphQL Apollo covers Apollo Server, Apollo Client, GraphQL Federation, REST APIs.

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.

GraphQL Apollo: How much does Apollo GraphQL cost?

Apollo GraphQL is free for up to 3 developers. Paid plans start at $5 per million GraphQL requests on the Developer plan, which includes $50 usage credit for new signups. Standard and Enterprise plans require custom pricing via sales contact.

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.

GraphQL Apollo: Is there a free version of Apollo GraphQL?

Yes, Apollo GraphQL offers a forever-free plan with no credit card required for up to 3 developers, including 1-day data retention, community support, and self-hosted GraphOS Router rate-limited to 60 requests per minute.

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.

GraphQL Apollo: What does Apollo's Enterprise plan include that Standard does not?

The Enterprise plan offers unlimited developers versus 30 on Standard, 18-month data retention versus 90 days, and 24x7x365 business support with SLA instead of 8x5 support. It also includes premium and professional services add-ons and custom MSA agreements. Both require custom pricing.

Source
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