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APIs · head to head

Enable Banking vs Tuum

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
Tuum logo

Tuum

APIs

Modular core banking platform from Estonia, formerly branded Modularbank

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.; Tuum it is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.
  • They diverge on capability: Enable Banking covers European bank coverage, Tuum covers Modular product structure.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Enable Banking and Tuum differ
AttributeEnable BankingTuum
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 Tuum

  • Modular product structure
  • Low-code integration middleware
  • Cloud-agnostic deployment
  • Multi-currency real-time accounts
  • Cards and lending modules
  • Faster migration timeline

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

Tuum

  • A bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at oncenot Enable Banking
  • A fintech in the DACH region or Middle East wanting a European core banking vendor with regional expansion focusnot Enable Banking
  • An institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuildnot Enable Banking
  • A company researching "Modularbank" that needs to confirm it is the same company now branded Tuumnot 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.

Tuum

  • It is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.
  • The 2022-era rebrand from Modularbank to Tuum means older funding records, case studies and press coverage appear under a different name, complicating due diligence for anyone unaware of the change.
  • Pricing is entirely unpublished, requiring a sales conversation to budget against competing composable core vendors.
  • Its geographic expansion into DACH and the Middle East is comparatively recent, so support depth and local regulatory expertise in those markets are less proven than in its home Baltic and Nordic base.
  • As with any core banking platform, choosing Tuum is a multi-year infrastructure commitment; switching cores after implementation is a major undertaking regardless of how modular the initial adoption was.

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

Tuum

On request
  • Tuum$undefined/year
    • Subscription and module-based pricing, not published
    • Custom quote required via sales

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 Tuum if

  • You need modular product structure.
  • You work on Web, API.
  • You also want low-code integration middleware.
Tuum review

Questions people ask

Is Enable Banking or Tuum better?
Neither clearly leads. Enable Banking starts at Free and Tuum at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enable Banking or Tuum?
Enable Banking has a free tier; the other does not. Paid plans start at Free for Enable Banking and On request for Tuum.
Does Enable Banking or Tuum run on more platforms?
Enable Banking runs on Web, REST API. Tuum 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. Tuum 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 Tuum is typically brought in for.
What can Enable Banking do that Tuum cannot?
Enable Banking covers European bank coverage, Free sandbox, Restricted production, TPP infrastructure as a service. Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts.

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.

Tuum: Is Tuum the same company as Modularbank?

Yes, Modularbank rebranded to Tuum; it is the same company and platform.

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.

Tuum: Where is it strongest geographically?

Its base is Estonia and the Nordic and Baltic region, with newer expansion into DACH and the Middle East.

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.

Tuum: Is pricing published?

No, subscription and module pricing require a sales conversation.

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