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Binlist vs YNAB

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

APIBinlistDEAD0YNABDEAD0
Uptime · 30d
Uptime · 90d0.0%0.0%
Uptime · 30d0.0%0.0%
P50 · ms——
P95 · ms——
AuthnoneapiKey
CORSnoyes
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree — no key (requires 'Accept-Version: 3' header)Free tier — API key required
Rate limitRate limited for unauthenticated use; exact limit unpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Binlist vs YNAB: common questions

Which is more reliable, Binlist or YNAB?

Both are neck-and-neck — Binlist and YNAB each measure 0.0% uptime over 90 days on our probe schedule. Reliability here is verified from our own scheduled checks; use the 30-day bars above to see which has been steadier lately.

Do Binlist and YNAB need an API key?

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

Can I call Binlist and YNAB from the browser?

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

Are Binlist and YNAB free for commercial use?

Binlist has unclear commercial terms, and YNAB 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.