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APIs · head to head

Enable Banking vs Kong Gateway

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 Gateway logo

Kong Gateway

APIs

Open-source and cloud API gateway for managing microservices traffic

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 Gateway the free open-source gateway lacks the analytics, portals, and support of the paid Konnect tiers.
  • They diverge on capability: Enable Banking covers European bank coverage, Kong Gateway covers API request routing.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Enable Banking and Kong Gateway differ
AttributeEnable BankingKong Gateway
Pricing modelPer connected account per monthfreemium
PlatformsWeb, REST APIweb, linux, api
FoundedUnknown2017

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 Gateway

  • API request routing
  • Plugin ecosystem
  • Developer portals
  • AI Gateway
  • Analytics and observability
  • SSO and audit logs

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

Kong Gateway

  • Routing and securing traffic across microservicesnot Enable Banking
  • Publishing internal or external developer portalsnot Enable Banking
  • Managing rate limits and authentication at the API edgenot Enable Banking
  • Gateway-level routing to multiple LLM providersnot 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 Gateway

  • The free open-source gateway lacks the analytics, portals, and support of the paid Konnect tiers.
  • Plus tier caps API requests at 1M/month before incurring per-million overage charges.
  • Enterprise pricing is custom and not published, making budgeting harder without sales contact.
  • Configuration and plugin management can require significant operational expertise to run at scale.

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 Gateway

Free
  • Free TrialFree
    • 30-day enterprise functionality trial
    • Unlimited gateways
    • 30-day analytics retention
  • Plus$undefined/month
    • Up to 5 serverless, 2 hybrid, 2 dedicated cloud gateways
    • 1M API requests/month included
    • Up to 2 developer portals
  • Enterprise$undefined/month
    • Unlimited hybrid and dedicated cloud gateways
    • Unlimited developer portals
    • SSO and audit logs

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 Gateway if

  • You need api request routing.
  • You want to start without paying.
  • You work on web, linux, api.
  • You also want plugin ecosystem.
Kong Gateway review

Questions people ask

Is Enable Banking or Kong Gateway better?
Neither clearly leads. Enable Banking starts at Free and Kong Gateway at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enable Banking or Kong Gateway?
Enable Banking starts at Free and Kong Gateway at Free.
Does Enable Banking or Kong Gateway run on more platforms?
Enable Banking runs on Web, REST API. Kong Gateway runs on web, linux, api.
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 Gateway is typically brought in for.
What can Enable Banking do that Kong Gateway cannot?
Enable Banking covers European bank coverage, Free sandbox, Restricted production, TPP infrastructure as a service. Kong Gateway covers API request routing, Plugin ecosystem, Developer portals, AI Gateway.

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 Gateway: Is Kong Gateway free?

Kong's core gateway is open source and free to self-host. Kong Konnect, the managed cloud platform, offers a 30-day free trial before moving to paid Plus or custom Enterprise pricing.

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 Gateway: How is usage metered on the Plus plan?

The Plus plan includes 1M API requests per month, with additional usage billed at $200 per extra 1 million requests up to a 10M/month cap, plus per-gateway and per-LLM-model charges.

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 Gateway: What support is included?

Plus includes email support with a 2-business-day SLA, while Enterprise adds dedicated success managers and professional services.

Source
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