finAPI Access
The intelligent banking API
Access to online bank accounts opens new possibilities, and new services are emerging based on the analysis of account data. The finAPI Banking API enables simple and secure retrieval and analysis of financial data from private and business accounts.
Access to all types of bank account
Retrieve account data via bank interfaces
Connection to international banking
finAPI is available in numerous European countries and is continuously expanding its coverage. You can find an up-to-date overview of the available countries here. If a country relevant to you is not currently listed, feel free to contact us. We will explore the possibilities together.
The right solution for your use case
Account Aggregation with finAPI
Our Access service packages at a glance
| Account types, data retrieval, support | finAPI Access B2C | finAPI Access B2X | |
|---|---|---|---|
Account types |
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Current accounts of private individuals |
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Current accounts of business customers (corporate accounts) |
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Savings accounts, credit accounts, other bank accounts |
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Credit cards
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Deposits |
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API connections (PayPal) |
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Data retrieval |
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Retrieval via PSD2 XS2A interfaces |
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Retrieval via FinTS/HBCI |
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Retrieval via web scraping |
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Retrieval via financial service provider’s API |
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Automatic regular update in background by finAPI |
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Push service (Define your own criteria for push messages) |
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Duplicate detection (finAPI detects and marks duplicate account transactions) |
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PIN storage (PINs are multiply encrypted and saved in the data vault on request. This is necessary for background data updates). |
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Support |
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Self-service & support portal |
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E-mail support with access to the ticket system |
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Support for getting started (in the first 30 days) |
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Premium support on demand (dedicated Customer Success Manager) |
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Account Aggregation with finAPI
Our Access service packages at a glance
| finAPI Access B2C | finAPI Access B2X | |
|---|---|---|
Account types |
|
|
|
Current accounts of private individuals |
|
|
|
Current accounts of business customers (corporate accounts) |
|
|
|
Savings accounts, credit accounts, other bank accounts |
|
|
|
Credit cards |
|
|
|
Deposits |
|
|
|
API connections (PayPal) |
|
|
Data retrieval |
|
|
|
Retrieval via PSD2 XS2A interfaces |
|
|
|
Retrieval via FinTS/HBCI |
|
|
|
Retrieval via web scraping |
|
|
|
Retrieval via financial service provider’s API |
|
|
|
Automatic regular update in background by finAPI |
|
|
|
Push service (Define your own criteria for push messages) |
|
|
|
Duplicate detection (finAPI detects and marks duplicate account transactions) |
|
|
|
PIN storage (PINs are multiply encrypted and saved in the data vault on request. This is necessary for background data updates). |
|
|
Support |
|
|
|
Self-service & support portal |
|
|
|
E-mail support with access to the ticket system |
|
|
|
Support for getting started (in the first 30 days) |
|
|
|
Premium support on demand (dedicated Customer Success Manager) |
|
|
Account Aggregation with finAPI
Our Access service packages at a glance
| finAPI Access B2C | finAPI Access B2X | |
|---|---|---|
|
Account types |
|
|
|
Current accounts of private individuals |
|
|
|
Current accounts of business customers (corporate accounts) |
|
|
|
Savings accounts, credit accounts, other bank accounts |
|
|
|
Credit cards |
|
|
|
Deposits |
|
|
|
API connections (PayPal) |
|
|
|
Data retrieval |
|
|
|
Retrieval via PSD2 XS2A interfaces |
|
|
|
Retrieval via FinTS/HBCI |
|
|
|
Retrieval via web scraping |
|
|
|
Retrieval via financial service provider’s API |
|
|
|
Automatic regular update in background by finAPI |
|
|
|
Push service (Define your own criteria for push messages) |
|
|
|
Duplicate detection (finAPI detects and marks duplicate account transactions) |
|
|
|
PIN storage (PINs are multiply encrypted and saved in the data vault on request. This is necessary for background data updates.) |
|
|
|
Support |
|
|
|
Self-service & support portal |
|
|
|
E-mail support with access to the ticket system |
|
|
|
Support for getting started (in the first 30 days) |
|
|
|
Premium support on demand (dedicated Customer Success Manager) |
|
|
Optimal additions
More than a Open Banking API for account aggregation
finAPI enables account retrieval from almost all banks in numerous European countries as well as in the United Kingdom. In addition, finAPI offers additional services that help companies expand, streamline and improve their digital financial processes.
No PSD2 license? No problem.
With finAPI, you can save yourself the expensive and time-consuming effort of getting your own BaFin license. You can use finAPI’s PSD2 license to comply with licensing and registration requirements. And licensed service providers can be allowed access to account data with the account holder’s consent.
Evaluation & analysis
Categorisation of account data, creditworthiness analysis for faster lending decisions, cash flow analysis, risk analysis, contract recognition, events and changes (“life-changing events”) and further comprehensive analyses. With our Data Intelligence platform, you get the data you need for your services, transactions and satisfied customers.
Compliance with KYC obligations
Easy real-time digital identification of customers and business partners? Confirmation of name, age or address, matching with deceased data or anti-money laundering checks to comply with due diligence obligations? All possible thanks to our intelligent account analysis.
Payment solutions for every business
With finAPI as your partner for payment services, you can initiate and accept payments via SEPA Credit Transfer or SEPA Direct Debit. Multiple transfers and multiple direct debits are also possible using the finAPI Payment Module. This makes accounting easier – or simplifies payment procedures for your online store.
Good to know
The advantages of finAPI
- Established technology since 2008
- One of the first and most widely used PSD2 XS2A interfaces
- Secure access to account and transaction data
- Easy and secure integration of bank data into your applications
- Optimization and automation of internal processes
- Background update with push function via webhooks
- Customizability through add-ons
- Comprehensive REST services, API Docs and documentation for developers
- BaFin-licensed payment initiation service (PIS)
- BaFin-registered account information service (AIS)
Contact us
Do you have questions about account interfaces?
Would you like to integrate account data into your application? finAPI supports you in securely retrieving account data via our reliable Banking API. Get in touch, we will be happy to advise you.
Contact us
finAPI GmbH
Adams-Lehmann-Str. 44
80797 München
Social Media
BaFin
Officially licensed and supervised by the German Federal Financial Supervisory Authority (BaFin).
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