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APIs · head to head

Enable Banking vs REST Client VSCode

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
REST Client VSCode logo

REST Client VSCode

APIs

VSCode extension for making HTTP requests and testing REST 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.; REST Client VSCode limited to Visual Studio Code; not available as a standalone application
  • They diverge on capability: Enable Banking covers European bank coverage, REST Client VSCode covers REST Client.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Enable Banking and REST Client VSCode actually diverge.

Attributes where Enable Banking and REST Client VSCode differ
AttributeEnable BankingREST Client VSCode
Pricing modelPer connected account per monthUnknown
PlatformsWeb, REST APIWindows, macOS, Linux
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 REST Client VSCode

  • REST Client
  • HTTP requests
  • Response viewing
  • VSCode
  • Environment variables
  • Custom headers
  • VSCode extension 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 REST Client VSCode
  • An accounting software vendor pulling bank transactions across several European countriesnot REST Client VSCode
  • A treasury tool building and testing a real integration before committing to a contractnot REST Client VSCode
  • A lender verifying applicant income from bank data across the Nordics and the EUnot REST Client VSCode

REST Client VSCode

  • API Developmentnot Enable Banking
  • API Gatewaynot Enable Banking
  • API Testingnot Enable Banking
  • API Documentationnot Enable Banking
  • Microservicesnot 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.

REST Client VSCode

  • Limited to Visual Studio Code; not available as a standalone application
  • No support for WebSocket, gRPC, or other advanced protocols
  • No cloud sync or team server features; requires Git-based workflow

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

REST Client VSCode

Free

No published plan breakdown. See the REST Client VSCode review.

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 REST Client VSCode if

  • You need rest client.
  • You want to start without paying.
  • You work on Windows, macOS, Linux.
  • You also want http requests.
REST Client VSCode review

Questions people ask

Is Enable Banking or REST Client VSCode better?
Neither clearly leads. Enable Banking starts at Free and REST Client VSCode at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enable Banking or REST Client VSCode?
Enable Banking starts at Free and REST Client VSCode at Free.
Does Enable Banking or REST Client VSCode run on more platforms?
Enable Banking runs on Web, REST API. REST Client VSCode runs on Windows, macOS, Linux.
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 REST Client VSCode is typically brought in for.
What can Enable Banking do that REST Client VSCode cannot?
Enable Banking covers European bank coverage, Free sandbox, Restricted production, TPP infrastructure as a service. REST Client VSCode covers REST Client, HTTP requests, Response viewing, VSCode.

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.

REST Client VSCode: How much does REST Client VSCode cost?

REST Client VSCode is completely free and open source. It is available on the Visual Studio Code Marketplace with no subscription or licensing fees.

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.

REST Client VSCode: What authentication methods does REST Client support?

REST Client supports Basic Auth, Digest Auth, SSL certificates, Azure AD, and AWS Signature v4 authentication for API requests.

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.

REST Client VSCode: Can I save and manage multiple requests?

Yes. REST Client supports multiple requests per file using ### delimiters, request history with auto-save, environment variables for different configurations, and code snippet generation for multiple programming languages.

Source
REST Client VSCode: How do teams collaborate with REST Client?

REST Client requests are stored as text files that can be version-controlled in Git repositories. Teams collaborate by sharing requests through Git, making the API specs part of the codebase.

Source
REST Client VSCode: What protocols does REST Client support?

REST Client primarily supports HTTP/HTTPS and GraphQL. It does not support WebSocket, gRPC, or other advanced protocols available in desktop clients like Insomnia.

Source
REST Client VSCode: Is there cloud sync for REST Client requests?

No. REST Client has no built-in cloud sync or team server features. All collaboration and sharing relies on Git repository management.

Source
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