Brankas vs GoCardless Bank Account Data

Brankas provides open finance and Banking-as-a-Service APIs for banks, financial institutions, technology companies, and businesses adding financial services to their products. Its APIs can retrieve account and transaction data from multiple institutions through one integration. Data products include Balance, Statement, Income, and Expense; Direct supports account-to-account transfers and payments, while Disburse sends funds individually or in bulk from a dashboard. The Open Finance Suite supports open banking compliance and Banking-as-a-Service with cloud, on-premise, or hybrid deployments. Brankas says it is compatible with most core banking systems and technology stacks. Its coverage page lists institutions in the Philippines, Indonesia, and Thailand, with product support and availability varying by institution. Android and iOS Tap SDKs can launch an embedded WebView for Brankas product flows. Developers can create API keys for sandbox and live environments. Brankas says it uses HTTPS and encryption, does not store end-user credentials, and holds ISO 27001 and PCI-DSS certifications. Pricing is available on request; the Suite describes projects of 8–12 weeks and one-to-one post-sales support.

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.