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APIs · head to head

Enable Banking vs Synctera

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
Synctera logo

Synctera

APIs

Banking-as-a-service platform that brings its own sponsor bank and compliance tooling

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.; Synctera implementation fee, platform fee and monthly minimum are all charged and none are published, so a programme cannot model its fixed cost floor without a sales process, and at low volume those fixed fees rather than transaction pricing determine your economics.
  • They diverge on capability: Enable Banking covers European bank coverage, Synctera covers Sponsor bank matching.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

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

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 Synctera

  • Sponsor bank matching
  • Accounts and ledger
  • Card issuing
  • Money movement
  • KYC and KYB
  • Transaction monitoring
  • Shared bank dashboard
  • Lending 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 Synctera
  • An accounting software vendor pulling bank transactions across several European countriesnot Synctera
  • A treasury tool building and testing a real integration before committing to a contractnot Synctera
  • A lender verifying applicant income from bank data across the Nordics and the EUnot Synctera

Synctera

  • A software company adding branded debit cards and accounts that has no appetite for sourcing and negotiating with a sponsor bank itselfnot Enable Banking
  • A fintech whose current bank partner is exiting the programme and needs a replacement with the oversight tooling already in placenot Enable Banking
  • A community bank that wants to run a fintech sponsorship line of business without building transaction monitoring and reconciliation from scratchnot Enable Banking
  • A B2B platform issuing spend cards to its customers that needs KYB, monitoring and card issuing from one contractnot 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.

Synctera

  • Implementation fee, platform fee and monthly minimum are all charged and none are published, so a programme cannot model its fixed cost floor without a sales process, and at low volume those fixed fees rather than transaction pricing determine your economics.
  • The sponsor bank remains a third party whose risk appetite governs what you can launch, and a bank exiting or tightening its programme can force product changes you did not choose, which has happened repeatedly across the sector.
  • Onboarding runs on bank timelines, so several months typically pass between contract and first live customer while compliance policies and flow of funds are reviewed by both Synctera and the bank.
  • Coverage is United States focused, so a fintech with cross-border plans needs an entirely separate stack for other markets rather than an extension of this one.
  • Sitting between you and the bank means Synctera is another party in the reconciliation chain, and when balances disagree you are coordinating between two organisations rather than one, which lengthens incident resolution.

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

Synctera

On request
  • Synctera Platform$undefined/year
    • Sponsor bank relationship included
    • Accounts, ledger and card issuing
    • ACH, wire and instant rails

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 Synctera if

  • You need sponsor bank matching.
  • You work on Web, API.
  • You also want accounts and ledger.
Synctera review

Questions people ask

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

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.

Synctera: Does Synctera provide the bank?

Yes. Unlike a pure technology vendor, Synctera contracts with sponsor banks and brings one into your programme.

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.

Synctera: What does it cost?

Nothing is published. Expect an implementation fee, a recurring platform fee and a monthly minimum, plus usage charges.

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.

Synctera: How long does it take to launch?

Plan for months, not weeks, because both Synctera and the sponsor bank run compliance diligence on your programme.

Synctera: Is it available outside the United States?

Its focus is the United States; it has offered Canadian capability but non-US coverage is limited.

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