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APIs · head to head

Enable Banking vs Kong

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
Kong logo

Kong

APIs

Cloud-native API gateway and service connectivity 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.; Kong the Plus plan includes 1M API requests a month and charges $200 a month for each additional million
  • They diverge on capability: Enable Banking covers European bank coverage, Kong covers API Gateway.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Enable Banking and Kong differ
AttributeEnable BankingKong
Pricing modelPer connected account per monthsubscription
PlatformsWeb, REST APILinux, Docker, Kubernetes
FoundedUnknown2010

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 Kong

  • API Gateway
  • Authentication & Authorization
  • Rate Limiting
  • Kubernetes
  • Consul
  • Eureka
  • PostgreSQL
  • Linux 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 Kong
  • An accounting software vendor pulling bank transactions across several European countriesnot Kong
  • A treasury tool building and testing a real integration before committing to a contractnot Kong
  • A lender verifying applicant income from bank data across the Nordics and the EUnot Kong

Kong

  • API gateway management and routingnot Enable Banking
  • API development and testingnot Enable Banking
  • Enterprise API security and governancenot 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.

Kong

  • The Plus plan includes 1M API requests a month and charges $200 a month for each additional million
  • Plus is capped at 10M requests a month, so growth past that forces an Enterprise contract
  • Plus limits published APIs to 20 and includes one Developer Portal, with a second at $200 a month
  • SSO and audit logging are Enterprise only
  • Enterprise pricing is custom and billed annually

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

Kong

Free
  • Kong Konnect Free TrialFree
    • 30-day free trial
    • Full enterprise functionality
    • Unlimited gateways
  • Kong Konnect Plus$null/month
    • Per gateway pricing billed monthly
    • Up to 5 Serverless Gateways, 2 Hybrid, 2 Dedicated Cloud Gateways
    • 1M API requests included per month
  • Kong Insomnia EssentialsFree
    • Unlimited projects and CLI access
    • Up to 3 Git Sync users
    • 1,000 mock server requests per month
  • Kong Insomnia Pro$12/month
    • Unlimited users with Git Sync access
    • Unlimited organizations
    • RBAC

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 Kong if

  • You need api gateway.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes.
  • You also want authentication & authorization.
Kong review

Questions people ask

Is Enable Banking or Kong better?
Neither clearly leads. Enable Banking starts at Free and Kong at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enable Banking or Kong?
Enable Banking starts at Free and Kong at Free.
Does Enable Banking or Kong run on more platforms?
Enable Banking runs on Web, REST API. Kong runs on Linux, Docker, Kubernetes.
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 Kong is typically brought in for.
What can Enable Banking do that Kong cannot?
Enable Banking covers European bank coverage, Free sandbox, Restricted production, TPP infrastructure as a service. Kong covers API Gateway, Authentication & Authorization, Rate Limiting, Kubernetes.

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.

Kong: Does Kong offer a free trial?

Yes, Kong Konnect offers a 30-day free trial with full enterprise functionality, unlimited gateways, and no credit card required.

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.

Kong: How much does Kong Insomnia Pro cost?

Kong Insomnia Pro is $12 per user per month with 15% savings available for annual billing.

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.

Kong: What are Kong Konnect Plus API request limits?

Kong Konnect Plus includes 1M API requests per month; additional requests cost $200 per 1M (maximum 10M per month).

Source
Kong: What is included in Kong Insomnia Enterprise?

Kong Insomnia Enterprise is $45 per user per month with SSO, SCIM, vault integrations, unlimited mock server requests, and Konnect integration.

Source
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