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APIs · head to head

Enable Banking vs Prisma

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
Prisma logo

Prisma

APIs

Modern ORM and API client for Node.js and TypeScript

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.; Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
  • They diverge on capability: Enable Banking covers European bank coverage, Prisma covers ORM.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Enable Banking and Prisma differ
AttributeEnable BankingPrisma
Pricing modelPer connected account per monthusage-based
PlatformsWeb, REST APINode.js, TypeScript
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 Prisma

  • ORM
  • Query builder
  • Auto-migrations
  • Node.js
  • TypeScript
  • GraphQL
  • REST APIs
  • 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 Prisma
  • An accounting software vendor pulling bank transactions across several European countriesnot Prisma
  • A treasury tool building and testing a real integration before committing to a contractnot Prisma
  • A lender verifying applicant income from bank data across the Nordics and the EUnot Prisma

Prisma

  • Using a type safe ORM and query layer against a Postgres databasenot Enable Banking
  • Adding a managed connection pool and edge cache in front of an existing databasenot 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.

Prisma

  • Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
  • Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
  • Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
  • Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
  • Cache tag invalidations are not included below the Pro plan and are billed per thousand above it

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

Prisma

Free
  • FreeFree
    • 1M requests/month
    • 360 GB-hours memory
    • 4 vCPU-hours
  • Starter$10/month
    • 5M requests/month
    • 1M database operations ($8 per million overage)
    • 10 GB storage ($2/GB overage)
  • Pro$49/month
    • 20M requests/month
    • 10M operations ($2 per million overage)
    • 50 GB storage ($1.50/GB overage)
  • Business$129/month
    • 100M requests/month
    • 50M operations ($1 per million overage)
    • 100 GB storage

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 Prisma if

  • You need orm.
  • You want to start without paying.
  • You work on Node.js, TypeScript.
  • You also want query builder.
Prisma review

Questions people ask

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

Prisma: How much does Prisma cost?

Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.

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.

Prisma: What is Prisma's overage pricing?

Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.

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.

Prisma: Does Prisma include data transfer costs?

No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.

Source
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