Enable Banking Accounts API

Get instant access to bank account transactions and balances – we deliver account information where you need it.

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Open Banking APIs

We have integrated Open Banking APIs of all major banks and other payment account providers (EMIs and PIs) across EEA region. We constantly monitor the integrated APIs and test interaction process. Also we follow announced changes, so we can timely update integrations.

Countries

AustriaBelgiumBulgariaCyprusCzech RepublicGermanyDenmarkEstoniaSpainFinlandFranceGreeceCroatiaHungaryIrelandIcelandItalyLiechtensteinLithuaniaLuxembourgLatviaMaltaNetherlandsNorwayPolandPortugalRomaniaSwedenSloveniaSlovakia

APIs integrated

4044

Free access to linked bank accounts

Register your application and link bank accounts it. For each linked account we calculate identification hash and allow free access to these accounts.

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Examples

We believe that integrating Open Banking should be easy and painless, so we put a lot of effort into making our APIs developer-friendly. You don’t need to worry about difference of bank APIs, we automatically convert all data and interaction logic to one simple interface.

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": "2024-12-02T12:06:41.823Z"
  },
  "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/ais/start?sessionid=73100c65-c54d-46a1-87d1-aa3effde435a",
  "authorization_id": "73100c65-c54d-46a1-87d1-aa3effde435a",
  "psu_id_hash": "db10bfbbb9ca86a78ce42ba0c21c2870824d9b9056e259c1ab1df50813bd7781"
}
          
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"
    }
  ]
}
          
continue to the API docs →

Getting started

Create an account
After account creation you'll be able to register your application and start using the API. You can link your own live bank accounts and get free access to them.
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Got questions? Contact usinfo@enablebanking.com

Should you have any questions regarding testing or operating integration with live APIs?

We are happy to assist whether you have a legal question, are looking for a business case or concerned about a security matter.