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YNAB vs Pick an Agency

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

APIYNABUNMONITORED—Pick an AgencyNEW—
Uptime · 30d
Uptime · 90d—%—%
Uptime · 30d—%—%
P50 · ms——
P95 · ms——
AuthapiKeynone
CORSyesyes
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

YNAB vs Pick an Agency: common questions

Which is more reliable, YNAB or Pick an Agency?

Only Pick an Agency is on our probe schedule so far (—% uptime over 90 days). The other is catalogued but not yet live-checked, so we can't compare measured reliability head-to-head — check the uncovered API's own status page for now.

Do YNAB and Pick an Agency need an API key?

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

Can I call YNAB and Pick an Agency from the browser?

Yes — both YNAB and Pick an Agency send CORS headers over HTTPS, so front-end code can fetch either directly with no backend proxy. That makes them easy to swap in a client-side app while you compare responses.

Are YNAB and Pick an Agency free for commercial use?

YNAB has unclear commercial terms, and Pick an Agency 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.