In Charge.

We are your open banking partner that enables scalable, secure, & transparent solutions that put you in charge of your service offering.

Leveling the Playing Field

Open Banking is a worldwide movement, and in Europe it is run by a regulation called PSD2 (the Revised Payment Services Directive). Open Banking is about giving innovators the possibility to build new solutions for their customers in a way that doesn’t interfere with their business model or disrupt the customer experience.

That’s where Enable Banking comes in – we offer non-intrusive connectivity to ASPSPs` official APIs across Europe, without touching your data or interfering with your business model.

We make sure you can focus on what matters most – building great products for customers!

Countries

APIs integrated

2606

Check

full list of ASPSPs and integrated APIs →

What It Means to Be in Charge

In Charge of
What You Create

We provide state-of-the-art connectivity solutions across Europe, without ever interfering with our clients' data or business model.

In Charge of
Your Data

We will never make use of any of your data or interfere with how you run things day-to-day. With us, you get all the benefits of being connected, without ever losing control.

In Charge of
Your Service

We are transparent and proactive about any connectivity issues that may occur, providing you with data on reasons for failed connectivity.

In Charge of
Your Expansion

We are the perfect partner when you wish to expand into new services and/or geographical markets. Always ready to quickly expand connectivity, we will grow with you.

The Connectivity Engine that Puts You in Charge

Our services are based on PSD2 (The Revised Payment Service Directive) APIs from Account Servicing Payment Service Providers. It means that when you are using our services, you can be sure that they are official APIs. We are offering our connectivity engine for licensed and non-licensed companies depending your business models. We operate under Finnish Financial Supervisor Authority and our services are ISO/IEC 27001 certified.

Plug-n-play with our cloud-based connectivity engine.

Integrate our connectivity engine into your own environment.

Account information

✔

Strong customer authentication (SCA)

Redirect flow
Decoupled flow
Embedded flow

Consumer data

Account numbers
Balances
Transactions

Business data

Account numbers
Balances
Transactions

90 days consent

✔

UI Widget

✔

ASPSP information

✔

Payment initiation

Coming Q1/2023

✔

Domestic

Coming Q1/2023

✔

SEPA

Coming Q1/2023

✔

SEPA Instant Credit Transfer

Coming Q1/2023

✔

Payment/transfer request

Coming Q1/2023

✔

Standing order request

Coming Q1/2023

✔

Recurring payment request

Coming Q3/2023

ASPSP information

Coming Q1/2023

✔

Funds confirmation

Aggregation core only

Enable Your Vision, with Effortless Accessibility

Our focus lies on delivering intuitive integrations that are simple to understand and easy to implement, bringing effortless accessibility into the world of Open Banking.

Initiate authentication Confirm user session Retrieve balances Retrieve transactions Full API reference →

cURL

  
    
curl -X POST \
     -H "Authorization: Bearer $ENABLEBANKING_API_JWT" \
     -H "Content-Type: application/json" \
     -d @auth.json \
     https://api.enablebanking.com/auth

auth.json

  
    
{
  "access": {
    "balances": true,
    "transactions": true,
    "valid_until": "2023-04-30T14:05:08.632Z"
  },
  "aspsp": {
    "country": "FI",
    "name": "Nordea"
  },
  "psu_type": "personal",
  "redirect_url": "http://your-domain.com/redirect-callback",
  "state": "3a57e2d3-2e0c-4336-af9b-7fa94f0606a3"
}

200 Response

  
    
{
  "url": "https://tilisy.enablebanking.com/welcome?sessionid=73100c65-c54d-46a1-87d1-aa3effde435a",
  "authorization_id": "73100c65-c54d-46a1-87d1-aa3effde435a"
}

cURL

  
    
curl -X POST \
     -H "Authorization: Bearer $ENABLEBANKING_API_JWT" \
     -H "Content-Type: application/json" \
     -d @session.json \
     https://api.enablebanking.com/sessions

session.json

  
    
{
  "code": "0f4473e7-95dd-49d2-9e48-5884d268b8d9"
}

200 Response

  
    
{
  "accounts": [
    {
      "account_id": {
        "iban": "FI8821291587733472"
      },
      "cash_account_type": "CACC",
      "currency": "EUR",
      "details": "Current account",
      "identification_hash": "WwpbCiJhY2NvdW50IiwKImFjY291bnRfaWQiLAoiaWJhbiIKXQpd.E8GzhnnsFC7K+4e3YMYYKpyM83Zx6toXrjgcvPP/Lqc=",
      "name": "Holder Name",
      "uid": "07cc67f4-45d6-494b-adac-09b5cbc7e2b5",
      "usage": "PRIV"
    }
  ],
  "session_id": "4604aa90-f8a8-4180-92d8-0c3270846f0a"
}

cURL

  
    
curl -X GET \
     -H "Authorization: Bearer $ENABLEBANKING_API_JWT" \
     https://api.enablebanking.com/accounts/07cc67f4-45d6-494b-adac-09b5cbc7e2b5/balances

200 Response

  
    
{
  "balances": [
    {
      "balance_amount": {
        "amount": "1.23",
        "currency": "EUR"
      },
      "balance_type": "CLBD",
      "last_change_date_time": "2019-08-24T14:15:22Z",
      "name": "Booked balance",
      "reference_date": "2019-08-24"
    }
  ]
}

cURL

  
    
curl -X GET \
     -H "Authorization: Bearer $ENABLEBANKING_API_JWT" \
     https://api.enablebanking.com/accounts/07cc67f4-45d6-494b-adac-09b5cbc7e2b5/transactions

200 Response

  
    
{
  "continuation_key": "E8GzhnnsFC7K+4e3YMYYKpyM",
  "transactions": [
    {
      "bank_transaction_code": {
        "code": "12",
        "description": "Utlandsbetalning",
        "sub_code": "32"
      },
      "booking_date": "2020-01-01",
      "credit_debit_indicator": "CRDT",
      "creditor": {
        "name": "Company Name"
      },
      "debtor_account": {
        "iban": "FI8821291587733472"
      },
      "entry_reference": "5561990681",
      "remittance_information": ["Gift for Debtor"],
      "status": "BOOK",
      "transaction_amount": {
        "amount": "1.23",
        "currency": "EUR"
      },
      "transaction_date": "2020-01-01",
      "value_date": "2020-01-01"
    }
  ]
}

We’re Here to Help You Succeed

1 Try It Out for Free

Try out our available API’s and experience effortless connectivity, free of charge for you to test in your own environment.

2 Launch Effortlessly

Once you have established your needs, we’ll work with you to cater the service and effectivize your production.

3 Scale Infinitely

Having finalized production, launch your product and have the security of support for every step along the way!

They are In Charge with Us

Simplifying Your Connectivity Across Borders

Integrating with new providers, testing interactions, and monitoring APIs in multiple countries is a full-time job.

Enable Banking has you covered.

We have integrated with all the major banks and other payment providers in Europe, so you can focus on your business, instead of struggling with legacy systems.

Security That You Can Actually Trust

Enable Banking is a secure and reliable way to link your data with third-party providers.

We are ISO/IEC 27001 certified, meaning we have been independently audited to ensure that our products meet the highest security standards.

We are regulated by Finnish Financial Supervisory Authority, and we are using only official ASPSPs` APIs to provide our services. With us you can be sure that you are compliant now and in future.

In Charge.

Leveling the Playing Field

What It Means to Be in Charge

In Charge ofWhat You Create

In Charge ofYour Data

In Charge ofYour Service

In Charge ofYour Expansion

The Connectivity Engine that Puts You in Charge

Enable Your Vision, with Effortless Accessibility

We’re Here to Help You Succeed

1 Try It Out for Free

2 Launch Effortlessly

3 Scale Infinitely

They are In Charge with Us

Simplifying Your Connectivity Across Borders

Security That You Can Actually Trust

Got questions? Contact us → info@enablebanking.com

In Charge of
What You Create

In Charge of
Your Data

In Charge of
Your Service

In Charge of
Your Expansion