White paper: Financial Data Sharing Scheme

Account Data

BANKS/Connect: Effortless access to 99% of all bank accounts, credit cards, custody accounts, loans and building society products from over 3,000 providers. Using a single API. With the right front-end components on request. BANKSapi is your connectivity provider for smart plug-and-play banking.

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Overview

BANKS/Connect

This is banking as it should be: extensive data from hundreds of millions of accounts and all this via an API, in the same format and scalable as required.

START/Connect

The starter solution for start-ups and young companies that want to scale together with BANKSapi.

ONE/Connect

This is the lean solution reduced to one user and for individual accounts, without compromising on functionality.

FINTS/Connect

PSD2-compliant access to financial data from banks and non-banks such as PayPal™ without giving up your familiar FinTS applications.

Orchestrated

One API – all interfaces

Our standardized API covers all bank interfaces, including dedicated PSD2 interfaces (XS2A), FinTS, proprietary APIs, automated data capture from online banking (screenscraping) and even the Electronic Banking Internet Communication Standard (EBICS).

No matter which bank requires which interface: We automatically select the right one and convert the data into a standardized format, even for EBICS. You benefit from simple integration into your existing systems and reduced development costs.

Our robust infrastructure assures high availability and reliability. Thanks to our constant updating and maintenance of the interfaces, you will always be up to date. In addition, our experienced support team is available to help you with any questions or problems.

Our API relies on leading web standards such as REST (JSON), OAuth and TLS 1.3 encryption for secure and efficient data transfer. Benefit from direct access to all information from our database without any loss of latency.

PSD2 License

PSD2 license for regulatory compliance

If you do not have your own PSD2 license, you can use ours. This offers you maximum security and regulatory compliance. We handle the processing of sensitive payment data so that you can concentrate on your core business: No need for your own BaFin license. Our solution always complies with the applicable regulatory requirements. We also take care of money laundering, KYC and fraud checks.

More about PSD2-License-as-a-Service
Code example for illustration

Demo

BANKS/Connect

With just a few lines of code and our ready-made web interface, you can get started with your use case right away.

From then on, it's child's play for your users:

  1. Start account linking
  2. Select bank details
  3. Enter your access data

... and the account data can be loaded!

Why BANKSapi?

Compliant: Our solution meets all relevant legal requirements, is fully BaFin-regulated and always complies with the latest regulations

Secure: Protection of your processes and data through secure data transmission, the highest security standards and comprehensive money laundering and fraud checks.

Compatible: Thanks to web standards such as REST-JSON and OAuth as well as comprehensive developer resources.

Comprehensive: Comprehensive documentation, practical examples, OpenAPI specifications and SDKs in all major programming languages.

Holistic: We take care of the interface integration with the banks and make it as easy as possible for you. You benefit from harmonized data.

More reasons for BANKSapi

Reduce costs,
Increase sales,
Minimize risks.

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With our platform and the wide range of possible use cases, you benefit in many ways. For example, reduce your process costs with smart and standardized account data, significantly reduce your project and development risk or rely on our advanced data analyses to minimize risk. Get more out of account data, for example by increasing your turnover with clever insights from account data analysis.