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.
Connection to international banking
With finAPI Access you can take off in Europe – the following countries are available: Germany, Austria, Belgium, France, the Netherlands, Romania, Slovakia, the Czech Republic and Hungary. Further countries are being developed and planned – just contact us if countries that are important to you are not currently listed.
Access to all types of bank account
With the account view function, it is possible to access and analyze almost all accounts, for example via our PSD2-compliant XS2A interface. Current accounts, overnight accounts, savings accounts, credit cards, securities accounts, building society savings books, shares in cooperatives and even PayPal. With our finAPI Access B2X service package, you can view not only payment accounts of private customers, but also businesses’ account data.
Retrieving and viewing account data
The most important element of our banking API is the XS2A (access-to-account) interface, which of course complies with the PSD2 payment services directive. Depending on the bank, account type and application, FinTS/HBCI, web scraping and data retrieval via APIs from financial service providers such as PayPal are also possible.
More than a banking API for account aggregation
finAPI delivers account retrieval from almost all banks in Germany, Austria, Hungary, the Czech Republic and Slovakia as well as a wide range of further services. We are an ideal partner for financial institutions, account information services, third-party service providers and many other companies.
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
Categorization, PFM services, income checks for faster credit decisions, creditworthiness analysis, risk analysis, contract recognition, major life events and other comprehensive analysis – with our data intelligence platform you make sense of your data, deliver better services and improve customer satisfaction.
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.