BankConnector vs GoCardless Bank Account Data

BankConnector provides bank integration through an API and ready-made ERP add-ons. It accepts payment instructions as canonical JSON, validates them against ISO 20022 schemas, business rules, and bank-specific requirements, then converts them to each bank’s required format. The site lists 308 banks in 55 countries. Supported connection methods include EBICS, SFTP, Danske Bank Webservice, Nordea Corporate Access, OP Webservice, and Bank Connect. It returns payment confirmations and provides incoming transactions and balances daily, or live where a bank supports it. Data includes payment statuses, balances, and daily or intraday statements in formats such as pain.001, camt.053, MT940, normalized JSON, and CSV. A ready-made Uniconta add-on supports paying, approving, and reconciling in the Uniconta Windows client. Sandbox use is free and unlimited, and the first 10 production payments are free with no card or time limit. Monthly plans are 100.00 EUR, 250.00 EUR, and 500.00 EUR, excluding VAT.

GoCardless Bank Account Data is an API for businesses that need account details and transaction data from connected bank accounts. It connects through bank PSD2 APIs and can return account holder names, account identifiers, IBANs, transaction dates, counterparties, descriptions and amounts, plus current and available balances. It can retrieve up to 24 months of transaction history, with continuous access lasting up to 90 days. Data refreshes on demand, and responses use JSON. To connect, an end user chooses a supported financial institution, accepts a GoCardless-hosted consent screen and authenticates through the institution. API requests use an authorization token created with a Bank Account Data portal user secret. GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. Availability is limited to EEA countries subject to PSD2 where GoCardless operates as an authorized AISP. Banks may restrict requests to as few as four calls per account per day. Account verification is available only to paying customers; new accounts are unverified by default. The service is paid, with pricing on request, and is available via API and web.