Country Coverage

finAPI provides Account Information Services (AIS) and Payment Initiation Services (PIS) in numerous European countries. This overview shows where you can connect bank accounts and initiate payments.

Banking-API, XS2A, FinTS & Scraper

Access to Account Information (AIS)

finAPI provides reliable access to bank accounts via the PSD2-compliant XS2A interface, the European standard for Open Banking. This enables secure and stable connections to payment accounts such as current accounts.

In addition, finAPI supports the German FinTS protocol (formerly HBCI). FinTS allows access to a wide range of additional account types that are typically not available via XS2A. These include, for example, savings accounts, building society accounts, credit card accounts, and securities accounts. If neither XS2A nor FinTS is available, finAPI uses web scraping as a fallback method to ensure comprehensive data access even in these cases.

Depending on the bank, country, and available interface, the following account types and data sources can be connected. Our sales team will be happy to advise you and provide a list of supported banks on request.

Bank accounts (current, savings, and business accounts)
Securities accounts
Loan accounts
Credit cards
Building society accounts
Cooperative shares (e.g. at German Volksbanken and Raiffeisenbanken)
Digital payment services (e.g. PayPal)

Account-to-account-Payments

Payment Initiation Services (PIS)

Depending on the country and connected bank, finAPI supports various account-to-account payments. Payments can be made in euros and in other local currencies such as Romanian Leu, Czech Koruna, or British Pound. finAPI supports SEPA payments within the Single Euro Payments Area, as well as payments to and from the United Kingdom.

The supported payment types include:

Credit transfers
Instant Payments
Scheduled transfers
Standing orders
Bulk credit transfers
Direct debits
Bulk direct debits

AIS & PIS

Country coverage

finAPI currently provides Account Information Services (AIS) and Payment Initiation Services (PIS) in twelve European countries: Belgium, Germany, France, Italy, the Netherlands, Austria, Romania, Slovakia, Slovenia, Spain, Czech Republic and Hungary. Both AIS and PIS are available in all of these markets. The United Kingdom will soon be added to finAPI’s country coverage. Connectivity is already in preparation. Please note: Service availability may vary slightly depending on the country, the connected bank and the account type.