The Open Banking API for ERP and Accounting Providers

Elevate your software with the most comprehensive business account connectivity of any open banking provider. Build automated data fetching for transaction analysis, reconciliation, expense tracking, onboarding, and more.

Open Banking Data for Accounting and ERP Solutions

Streamline Your Financial and Accounting Processes With Real-Time Open Banking Data

Effortless Open Banking Data Fetching and Handling

Harness open banking connectivity to create powerful product features.

Our API delivers data directly from over 2,500 banks to your ERP or accounting solution. All from a unified interface and with a single integration. 

We eliminate manual data uploading for your users. Fetching data from banks enables you to add functionality like auto-population of accounting figures, hands-off reconciliation, in-depth forecasting, and expense tracking.

You don't have to worry about privacy, either. Our PSD2 API-only approach means data is accessible to your app users and nobody else. Our company is founded on an enterprise software background, and an ongoing commitment to data privacy is our foundation.

Key Benefits

  • Seamlessly access up-to date data for accounting reports, reconciliation, data analysis, liquidity forecasting, and more. 

  • Enjoy real-time data requests without additional costs, ensuring predictable pricing as. your needs grow.

  • Privacy, security, and transparency are at the core of our API.

Build the next generation of finance solutions with our seamless open banking connectivity. Our API delivers the data you need to add powerful features to your solutions, with complete transparency and ironclad privacy built in. Give your customers fast, secure, and reliable access to business account data.

Build Powerful ERP Features

Invoice Reconciliation

Use harmonized data to automate transaction matching with invoices and receipts. Manual tasks like uploading bank statements for financial management will also be eliminated.

Data Analytics and Reporting

Enhance your ERP or accounting solutions analytics and reporting capabilities with transactional data. Our API provides access to at least one year of data, fetched directly from banks—no intermediary databases. Improve reporting accuracy, generate reliable cash flow forecasts, and optimise invoice lifecycle predictions based on historical trends.

Use our data insights tool to explore how far you can go back with each bank.

Customer Onboarding and Model Training

Get new customers onboard faster with seamless access to up to one year of historical transactional data directly from banks. Train models on accurate data from day one, delivering meaningful insights quickly and showcasing tangible results right from the start.

KYC and Onboarding

Streamline supplier onboarding in seconds. With our data, you can verify IBAN ownership to prevent invoice fraud and ensure payments are directed to the right accounts.

Expense Tracking

Include functionality for connecting multiple company cards to the system. Simplify expense tracking and automate requests to upload receipts.

Extensive Business Banking Connectivity Across Europe

One RESTful API, 2500+ Banks, Real-Time Data

With a simple RESTful API, access 2,500+ banks across Europe. Wherever your customer’s bank, our coverage ensures complete, real-time data. Focused solely on API connectivity, we deliver unmatched quality, speed, and scalability.

Unlimited Data Fetching, no hidden costs

Fetch as much data as you need without worrying about extra fees. We don’t charge for individual data requests. Our transparent pricing stays the same no matter how many API calls you make.

Coverage That Grows With You

As your business expands, so does our API coverage. We’re constantly adding new banks and financial institutions. Need a specific connection? We’ll ensure its integrated to meet your needs.

Seamless Business Account Support

From day one, we’ve prioritized business bank accounts, not just consumer ones. Our extensive European coverage ensures robust connectivity for all types of business accounts.

Secure Data Access with Instant Customer Consent

End customers can grant consent directly through their bank, thanks to our PSD2 API approach. This guarantees secure, transparent, and fast access to financial data —without the need for separate agreements with each bank.

Transparent Environment with End-to-End Oversight

Say goodbye to the black box approach. Our control panel offers full end-to-end visibility and 360-degree control, so you’re always in charge of your data and operations.

Effortless Integration and Support at Every Stage

Our RESTful API is simple to use, with most developers completing integration in a day. With ready-made code samples in multiple languages and dedicated support, we make setup quick and hassle-free.

A Leader in Privacy Standards

We take security, fraud prevention, and compliance seriously. With ISO 27001 certification and full PSD2 compliance, we ensure the highest international security standards for accessing financial data. We never monetize customer data—your privacy is always protected.

One API, 2500+ Banks

See how our open banking tools can provide your customers with next-gen ERP and accounting features.

Hear From Our Partners

  • "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

  • "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

  • "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

Get Started Now

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

Frequently Asked Questions

  • Open Banking enables secure access to financial data with customer consent. By integrating Open Banking into your ERP or accounting solution, you can automate data fetching, streamline reconciliation, improve expense tracking, and provide real-time insights, eliminating manual data handling for your users.

    Open Banking data provides real-time insights into the finances of a business, including cash flow, transaction history and existing liabilities. All of this data can be used to teach and augment models.

  • Our API provides seamless access to real-time financial data from over 2,500 banks across Europe. It enables features like automated transaction matching, historical data analysis, liquidity forecasting, and expense tracking. With a single integration, your solution gains powerful, privacy-focused functionality.

  • Our open banking connectivity provides the most comprehensive business account connectivity of any open banking provider.

    You can access a wide range of data, including:

    • Transaction histories (at least one year of data).

    • Account balances.

    • Income and spending patterns.

    • IBAN ownership verification.

    This data supports functionalities like reconciliation, analytics, forecasting, and KYC processes.

  • Data security is our top priority. We use direct API integrations and comply with PSD2 regulations to guarantee secure and transparent data access. We operate under a license from the Finnish FSA. All customer data is encrypted, and consent is required for access. Additionally, we are ISO 27001 certified, ensuring compliance with the highest international security standards.

  • Yes, our API can streamline onboarding by enabling real-time verification of IBAN ownership and other financial details. This prevents fraud and ensures payments are directed to the correct accounts, reducing manual intervention.

    Moreover, PSD2 gives you the opportunity to offer tools to smaller and micro companies that are usually only available to bigger companies. You can now offer smaller businesses the same efficiency and insights as larger organizations. Open banking data enables you to onboard new customers faster by training models more effectively, accelerating their setup and operational efficiency.

  • As a second-generation Open Banking provider, we only use direct API integrations with banks, ensuring that the data we access is accurate, secure and compliant with regulatory standards. This modern approach guarantees that our data is of the highest quality, providing you with reliable insights for credit risk scoring.

  • Unlike many providers, our API was designed with business accounts as a priority. We offer extensive connectivity across European banks, ensuring robust and real-time access to business financial data, making it an ideal choice for ERP and accounting providers.

  • Our API is developer-friendly, with most integrations completed within a day. We provide ready-made code samples in multiple programming languages and dedicated support to ensure a smooth and fast setup process.

  • By connecting multiple business bank accounts and company cards, Open Banking data enables automated expense tracking. Users can streamline processes like receipt uploads and expense reconciliation, saving time and reducing errors.

  • Absolutely. Our API provides access to at least one year of transaction history directly from banks, without relying on intermediary databases. This data can be used for creating accurate cash flow forecasts and expense predictions based on historical trends.

  • Enable Banking’s API provides extensive coverage across consumer and business accounts, ensuring you have access to the most relevant and comprehensive data. Our API is user-friendly, secure and designed for easy integration, helping you enhance your ERP and accounting tools.

  • Our dedicated support team is available at every stage of the integration process. From initial setup to optimization, we provide guidance to ensure your API implementation is seamless and meets your business goals.

  • We adhere strictly to PSD2 requirements, enabling customers to grant consent directly through their banks. This ensures secure and compliant data access without needing additional agreements with financial institutions.

  • Yes, we support both consumer and business accounts. In fact, we provide the most comprehensive business account connectivity of any open banking provider. This ensures that your ERP or accounting solution has access to robust financial data from over 2,500 banks across Europe.