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APIs · head to head

Enable Banking vs KeystoneJS

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
KeystoneJS logo

KeystoneJS

APIs

Powerful Node.js headless CMS framework and API platform

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.; KeystoneJS database support is limited to PostgreSQL, MySQL and SQLite
  • They diverge on capability: Enable Banking covers European bank coverage, KeystoneJS covers REST API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Enable Banking and KeystoneJS differ
AttributeEnable BankingKeystoneJS
Pricing modelPer connected account per monthopen-source
PlatformsWeb, REST APINode.js, Self-hosted
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 KeystoneJS

  • REST API
  • GraphQL API
  • Admin interface
  • Node.js
  • Next.js
  • React
  • Databases
  • 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 KeystoneJS
  • An accounting software vendor pulling bank transactions across several European countriesnot KeystoneJS
  • A treasury tool building and testing a real integration before committing to a contractnot KeystoneJS
  • A lender verifying applicant income from bank data across the Nordics and the EUnot KeystoneJS

KeystoneJS

  • Headless CMS implementationnot Enable Banking
  • Content management systemsnot Enable Banking
  • Customizable API-driven applicationsnot 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.

KeystoneJS

  • Database support is limited to PostgreSQL, MySQL and SQLite
  • Keystone 5 is a separate legacy product documented on a different site and is not covered by the Keystone 6 docs
  • Upgrading requires following a dedicated Migrate to 8.0.0 guide, so major versions are not drop-in
  • Free support is a community Slack; enterprise-grade consulting and support is a separate paid engagement with Thinkmill and no published price

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

KeystoneJS

Free
  • Open SourceFree
    • Full KeystoneJS
    • Community support

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 KeystoneJS if

  • You need rest api.
  • You want to start without paying.
  • You work on Node.js, Self-hosted.
  • You also want graphql api.
KeystoneJS review

Questions people ask

Is Enable Banking or KeystoneJS better?
Neither clearly leads. Enable Banking starts at Free and KeystoneJS at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enable Banking or KeystoneJS?
Enable Banking starts at Free and KeystoneJS at Free.
Does Enable Banking or KeystoneJS run on more platforms?
Enable Banking runs on Web, REST API. KeystoneJS runs on Node.js, Self-hosted.
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 KeystoneJS is typically brought in for.
What can Enable Banking do that KeystoneJS cannot?
Enable Banking covers European bank coverage, Free sandbox, Restricted production, TPP infrastructure as a service. KeystoneJS covers REST API, GraphQL API, Admin interface, Node.js.

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.

KeystoneJS: Is KeystoneJS free?

Yes, KeystoneJS is free and open source with no licensing fees. Core platform has no lock-in and is contributed to by 250+ developers.

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.

KeystoneJS: What are hosting costs for KeystoneJS?

KeystoneJS is self-hosted and deployment-agnostic. Hosting costs depend on your chosen deployment platform (Vercel, AWS, Heroku, etc.) and infrastructure, not KeystoneJS itself.

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.

KeystoneJS: Does KeystoneJS offer paid support?

Enterprise support with tailored options is available from Thinkmill, the company behind KeystoneJS. Pricing details available upon request.

Source
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