Softwr

APIs · head to head

Enable Banking vs Skaleet

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
Skaleet logo

Skaleet

APIs

Cloud-native core banking and payment hub with deployments measured in months

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Enable Banking has a free tier, so it costs nothing to try first.
  • 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.; Skaleet the installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • They diverge on capability: Enable Banking covers European bank coverage, Skaleet covers Cloud-native core.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Enable Banking and Skaleet differ
AttributeEnable BankingSkaleet
Starting priceFreeOn request
Pricing modelPer connected account per monthquote
Free tierYesNo
PlatformsWeb, REST APIWeb, REST API, Linux

Identical on both: 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 Skaleet

  • Cloud-native core
  • Payment hub
  • Card management
  • Lending
  • API-first
  • Configurable products

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

Skaleet

  • A banking group launching a digital savings or deposit brand in a new country within a yearnot Enable Banking
  • A bank modernising payments to ISO 20022 without replacing its whole corenot Enable Banking
  • A payroll or HR software company adding embedded banking to its productnot Enable Banking
  • A payment service provider needing a ledger and accounts under its existing licencenot 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.

Skaleet

  • The installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • Speed references are mostly greenfield launches inside large groups, which is an easier problem than migrating an existing book off a legacy core.
  • It is European-centric, with payment rails and regulatory work concentrated on SEPA and EU requirements rather than global coverage.
  • As a smaller vendor carrying a bank core, it attracts hard concentration and viability questions in procurement that larger competitors do not face.
  • Pricing is unpublished and scaled by accounts and transactions, so a bank whose volumes grow faster than forecast faces cost escalation it did not model.

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

Skaleet

On request
  • Skaleet Core Banking Platform$undefined/year
    • Subscription licence scaled by accounts and transaction volume
    • Payment hub licensable separately from the full core
    • Implementation and configuration charged as a project

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 Skaleet if

  • You need cloud-native core.
  • You work on Web, REST API, Linux.
  • You also want payment hub.
Skaleet review

Questions people ask

Is Enable Banking or Skaleet better?
Neither clearly leads. Enable Banking starts at Free and Skaleet at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enable Banking or Skaleet?
Enable Banking has a free tier; the other does not. Paid plans start at Free for Enable Banking and On request for Skaleet.
Does Enable Banking or Skaleet run on more platforms?
Enable Banking runs on Web, REST API. Skaleet runs on Web, REST API, Linux.
Can I use Enable Banking for free?
Yes. Enable Banking has a free tier, so you can try it without paying. Skaleet starts at On request.
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 Skaleet is typically brought in for.
What can Enable Banking do that Skaleet cannot?
Enable Banking covers European bank coverage, Free sandbox, Restricted production, TPP infrastructure as a service. Skaleet covers Cloud-native core, Payment hub, Card management, Lending.

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.

Skaleet: What was Skaleet called before?

TagPay. The company rebranded to Skaleet while keeping the same platform lineage.

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.

Skaleet: Can I buy just the payment hub?

Yes. The payment engine is licensable standalone and can sit over an existing core, which is a common first step.

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.

Skaleet: How fast are real deployments?

Named European deployments have gone live in six to twelve months, including a Crédit Agricole savings platform live in Germany in eight months.

Share

Related pages

More on Enable Banking

More on Skaleet

Keep looking

Other head to heads