Effortless Access to Open Banking: Securely and Effortlessly
We enable you to build the next generation of financial services with Open Banking. Our API connects you to over 2500 banks in Europe.
One Connection,
A Universe of Opportunities
Our API gives you seamless access to Open Banking data, enabling you to build and enhance a wide range of financial services.
Plus, you can connect accounts from multiple banks at once with a single integration. No need for multiple agreements.
More Than 100+ Trusted Partners
Some of the Industries We Enable
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Automated Cash Flow Insights: Synchronize processes like invoice reconciliation to deliver cash flow overviews and forecasts directly into your system.
Real-Time Financial Data: Access up-to-date transactional data from 2,500+ banks.
Seamless Integration: One API for all your needs, with privacy, transparency, and developer-friendly tools built-in.
Find out how Open Banking can augment your credit risk models here
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One API: Connect to 2500+ banks across 29 European countries.
Seamless access: Retrieve financial data instantly for faster decisions.
Real-time insights: Enhance risk assessments with up-to-date transaction data.
Find out how Open Banking can augment your credit risk models here
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Instant verification: Access real-time bank data to quickly confirm identity and account ownership.
Faster onboarding: Reduce friction with automated data retrieval, eliminating manual document uploads.
Enhanced fraud prevention: Leverage transaction insights to detect risk indicators and ensure compliance.
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Hyper-personalization: Use real-time transaction data to tailor rewards to individual spending habits.
Seamless redemption: Automate reward allocation and redemption without manual input or delays.
Stronger engagement: Enhance customer loyalty with data-driven offers that maximize relevance and value.
Find out how Open Banking can augment your loyalty and rewards programs here
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Comprehensive financial insights – Access real-time transaction data to offer clients a full view of their financial health.
Personalized investment strategies – Leverage open banking data to tailor financial advice and portfolio recommendations.
Automated financial planning – Enable smarter budgeting, savings, and wealth accumulation through real-time data and automation.
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Faster, cost-effective transactions: Reduce payment processing fees and settlement times with direct bank transfers.
Seamless user experience: Enable frictionless, secure payments without card details in your own systems.
Stronger fraud protection: Leverage bank-level security and authentication to reduce the risk of fraudulent transactions.
Why Choose Enable Banking?
Protect Your Customers’ Data
Even though our API connects you to many financial services, we never see or handle any data. Your customers' data is theirs, not ours or anyone else’s.
Future-Proof Your Business Model
Quickly adapt to the evolving Open Banking landscape. Our PSD3-ready API-solutions ensure that your business stays ahead. No matter what the future holds.
Expert Support at Your Fingertips
Never feel lost in the world of open banking. Our team of experts is here to guide you every step of the way, from integration to optimization.
Take a Peek Behind the Curtain Here
Are you curious about our code and what makes it tick? So are we! We take pride in maintaining and improving our codebase, making sure that it's always in top shape.
Click below to see what's happening behind the scenes.
Is Your Company a Licensed TPP?
Unlock the potential of our TPP Infrastructure as a Service and simplify your PSD2 API integration. We handle all the development and maintenance, allowing you to reduce costs and accelerate your time to market.
So you can focus on innovating and building additional features for your API while we take care of the technical complexities.
Hear From Our Partners
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"Working with Enable Banking is an exceptional experience. Their open banking APIs seamlessly integrate with our core banking platform, providing real-time transactional data that enables our customers to implement and benefit from more advanced loan origination and automated, accurate credit decision-making among many opportunities. Their expertise and collaborative approach have been instrumental in helping us deliver faster, more innovative services to our clients."
Tommi Lassila, Manager Sales and Partnerships at Aura Cloud
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"Open Banking data allows us to gain deeper insights into our customers' spending habits, enabling us to create a more personalized and effective loyalty program. With this data, we get a much better understanding of our customers—how they behave, what destinations they prefer, and what brands they interact with."
Madeleine Svantesson, Head of EuroBonus Partners at SAS Eurobonus
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"Integrating Enable Banking into our system was seamless, and their data is reliable and essential. Our tech and product teams are thrilled with their responsive support, making our partnership straightforward and rewarding."
Oliver Mohseni Skoglund, Co-Founder, Froda
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"We chose Enable Banking as one of our infrastructure partners because of their robust and reliable TPP infrastructure, which has been crucial for scaling our credit risk assessments across Europe. Their professionalism and quick responsiveness make collaboration seamless, and their expertise in open banking ensures we consistently access high-quality, real-time financial data."
Stefan Agergaard Hansen, Head of International Growth at Monthio
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"Enable Banking are the world’s best PSD2 experts, which strengthens the services we provide.They bring unparalleled expertise in PSD2 and the banking sector. Their deep industry knowledge and innovative approach make them the perfect partner for us. I highly recommend Enable Banking for their exceptional insight, customer focus, and ability to drive real results in the ever-evolving financial landscape.
Antti Harsunen, Signicat’s Country Manager in Finland
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"Enable Banking provides a key part of our end-to-end solution. It is a company that's concrete, smart, and devoted to perfect execution."
Enrico Lodi, Managing Director at CRIF
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"The commercial team at Enable Banking wants to help us and wants Gokind to succeed. They don't want to just deliver PSD2 data. I like that very much."
Gustaf Anselmmson, Co-Founder and CEO of Gokind
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"Our partnership with Enable Banking enabled us to unleash the full potential of our solution. Leveraging their connectivity to access real-time data allows us to provide our clients with unique, invaluable insights."
Daniel Eremar, Head of Sales at Xpektor
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"I want to say a huge thanks to Enable Banking. I would give you five stars out of five, and I would suggest anybody looking for an open banking partner give you serious thought."
Tuomas Kohila, Co-Founder and CEO of Propspoints
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"Enable Banking provides us with efficient and reliable access to real-time transaction data, which supports our invoicing and bookkeeping services for small and micro companies. Their open banking connectivity allows us to focus on helping entrepreneurs manage their businesses effectively."
Aleksi Simola, CEO at Ukko.fi
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"Enable Banking is very responsive and flexible. Whenever there are updates from either side, we can make changes quickly. We were able to cover all of our core markets with Enable Banking. "
Minh-Kiet Vuong, Product Manager at Zervant
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"We evaluated many providers by response time, coverage in Europe, and quality of support and Enable Banking was the best one. With Enable Banking, we feel a real will to help us."
Christian Caumont, CEO and Founder of YOWPay
Experience Connectivity Across Borders
Use our single, universal API to connect to over 2,500 of the major banks. Check our full list of ASPSPs and integrated APIs →
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Ready to step into the future of Open Banking? Connect with us and be at the forefront of the financial revolution. Our team is here to help you along the way.
Sarah Häger, CCO
sarah@enablebanking.com
In January 2025, Enable Banking introduced significant updates to enhance user experience and system functionality. Key improvements include better handling of payment initiation failures with detailed status reason information, comprehensive listing of final successful statuses for various payment types, and refined support for multiple decoupled authentication factors such as OTP_CODE and APP. Additionally, sandbox environment widgets now allow any origin, simplifying local testing, and custom CSS adjustments have been made easier with the inclusion of TPP-specific class attributes in the authentication UI. New integrations were also established with Banque Palatine (FR) for account information and payment initiation, and An Post Money (IE) for account information services.