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APIs · head to head

Enable Banking vs Thunder Client

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
Thunder Client logo

Thunder Client

APIs

Lightweight REST API client built as VSCode extension

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.; Thunder Client paid plans are billed annually only: Starter is $3 per user per month and capped at a maximum of 10 seats, Business is $7 per user per month with 500 monthly collection runs per user, and Enterprise is $16 per user per month for unlimited runs
  • They diverge on capability: Enable Banking covers European bank coverage, Thunder Client 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 Thunder Client actually diverge.

Attributes where Enable Banking and Thunder Client differ
AttributeEnable BankingThunder Client
Pricing modelPer connected account per monthfreemium
PlatformsWeb, REST APIVSCode extension, Web
FoundedUnknown2021

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 Thunder Client

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

Thunder Client

  • 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.

Thunder Client

  • Paid plans are billed annually only: Starter is $3 per user per month and capped at a maximum of 10 seats, Business is $7 per user per month with 500 monthly collection runs per user, and Enterprise is $16 per user per month for unlimited runs

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

Thunder Client

Free
  • FreeFree
    • REST client
    • Collection management
    • Local testing
  • Pro$8/monthly
    • Cloud sync
    • Team collaboration
    • Advanced features

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 Thunder Client if

  • You need rest client.
  • You want to start without paying.
  • You work on VSCode extension, Web.
  • You also want environment variables.
Thunder Client review

Questions people ask

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

Thunder Client: How much does Thunder Client cost?

Thunder Client publishes a free plan at no cost, then Starter at $3, Business at $7 and Enterprise at $16, all priced annually.

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.

Thunder Client: Is Thunder Client free?

Yes, there is a free plan. It is used through the Thunder Client extension for VS Code, available from the marketplace, with limits applied compared with the paid tiers.

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.

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