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Banking API vs Municipal Finance API

Same instrument, two spec sheets — measured, not claimed.

APIBanking APIHEALTHY98Municipal Finance APIHEALTHY78
Uptime · 30d
Uptime · 90d100%96.1%
Uptime · 30d100%98.3%
P50 · ms2032094
P95 · ms14352952
AuthapiKeynone
CORSnoyes
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree tier — API key requiredFree — limits not published
Rate limitUnpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Banking API vs Municipal Finance API: common questions

Which is more reliable, Banking API or Municipal Finance API?

On our scheduled checks, Banking API leads on measured uptime — Banking API at 100% versus Municipal Finance API at 96.1% over 90 days. These are our own probe results, not provider claims; the uptime bars above show the day-by-day record for both.

Which is faster, Banking API or Municipal Finance API?

Banking API has the lower median latency in our checks — Banking API responds in 203 ms versus Municipal Finance API at 2094 ms (P50). Tail latency (P95) is in the table above; for most workloads the median is the number that shapes how the API feels.

Do Banking API and Municipal Finance API need an API key?

Municipal Finance API needs no key, while Banking API requires a free API key. If you want to start calling without signup, reach for Municipal Finance API first.

Can I call Banking API and Municipal Finance API from the browser?

Only Municipal Finance API is browser-friendly — it returns CORS headers over HTTPS. Banking API needs a server-side call or proxy, so factor that into which one fits a front-end project.

Are Banking API and Municipal Finance API free for commercial use?

Banking API has unclear commercial terms, and Municipal Finance API has unclear commercial terms. We track service terms and the data license as separate fields — see the Commercial use and Data license rows above, and confirm both before shipping either in a paid product.