Develop Without Risk: The finAPI Demobank as a Secure Test Environment for Open Banking Applications
Anyone working with Open Banking APIs needs one thing above all: reliable testing options that are as close to the production environment as possible – without security risks or legal hurdles. This is exactly what finAPI now offers with the Demobank, a realistic, fully simulated test environment designed specifically for developers, IT teams, and product owners.
The finAPI Demobank allows you to build and optimize applications using test accounts – without access to real bank connections or live customer data. A clear advantage for everyone who wants to work on banking applications efficiently, securely, and in full compliance with regulations.
What is the Demobank?
The Demobank is a standalone test environment that fully simulates interaction with a fictional bank. It has been developed to realistically test all essential finAPI functions, such as account information services (AIS), payment initiation (PIS), or identity checks via bank accounts (Know Your Customer, KYC).
At its core, the Demobank provides access to test accounts that can be connected via API. These accounts are preloaded with fictitious transactions, master data, standing orders, and individual attributes – and can be fully managed via the Demobank’s online banking. This enables developers to replicate real end-user journeys and robustly integrate APIs.
Why a Test Environment? Benefits at a Glance
Testing in regulated areas such as Open Banking is anything but trivial. Access to real bank accounts often comes with security concerns, data protection obligations, and legal constraints. The Demobank solves exactly this problem.
- Realistic testing: Detect errors early, improve integrations, and develop new features safely – without risk or detours.
- Authentic API experience without real money: Applications can be simulated realistically – including authentication, account selection, transaction display, and payment release.
- User Interface: The Demobank comes with a UI that allows you to easily create and manage your own bank connections, individual accounts, and transactions.
- Fully GDPR-compliant: No live data, no risk – ideal for automated testing.
- Flexible integration with other finAPI products: Whether for creditworthiness checks, payments, or identity and age verification, a wide range of scenarios can be tested with demo accounts.
- Efficient onboarding & support: New developer teams or customer projects can be made production-ready faster.
How the Test Environment Works
Using the Demobank is simple: developers select the relevant endpoint in the documentation, generate an API key, and connect one or more test accounts. Through the Demobank’s online banking, each account can be configured with its own data and accessed through typical user journeys.
All scenarios relevant for later production – from initial account linking to payment initiation and transaction history – can be replicated in detail. Extensive tutorials and use cases in the documentation provide support during onboarding.
A Developer-First Offering
The Demobank is more than just a technical tool – it is a feature built by developers for developers. finAPI sees itself not only as an API provider but as a tech company with developer DNA. The test environment is the result of close collaboration between product teams, developers, and partners – always with the goal of addressing real-world development needs in the best possible way. The outcome is a system that delivers flexibility, control, and security where they are needed most: in the daily reality of technical product development.
Conclusion: A Secure Test Environment for Efficient API Development
The finAPI Demobank brings structure and security into daily development – whether you are just starting with the API or optimizing existing applications. Anyone working with sensitive data needs an environment where mistakes are allowed but carry no consequences. That is exactly what the Demobank provides – making it a real added value for all those who don’t just want to use Open Banking, but take it further.
Do you have questions about the Demobank?
Simply use our contact form. Our sales team will be happy to assist you.
Contact us
finAPI GmbH
Adams-Lehmann-Str. 44
80797 München
BaFin
Officially licensed and supervised by the German Federal Financial Supervisory Authority (BaFin).
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