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BANKS/Connect – The Open Banking API for ERP, Accounting and SaaS Platforms

Open Banking for ERP, accounting and SaaS platforms: BANKS/Connect by BANKSapi delivers normalized data from over 3,000 banks across the DACH region through a single API – and, if required, not just PSD2 payment accounts but also securities accounts, loans, credit cards and savings products. Add-ons bring SEPA payments, AI analytics (AI/Connect) and ready-made frontend widgets (WEB/Connect). BaFin-licensed, GDPR-compliant and sovereignly hosted in a German high-security data center – with no US hyperscalers.

Suitable for:
  • Multi User
  • Multi Banking

Features

Bank data and payments for your platform

  • Built for: ERP, accounting and SaaS platforms that want to offer account connectivity to their customers. BANKS/Connect is multi-tenant and designed for any number of users.
  • Comprehensive: More than 3,000 banks across the DACH region and over 99 % of all payment accounts – current and business accounts held by private and corporate customers.
  • More than PSD2: With the “Other accounts” add-on you also retrieve securities accounts, loan, savings, instant-access, fixed-term deposit and building society (Bauspar) accounts as well as credit cards and PayPal. BANKSapi automatically selects the optimal access route for each bank – PSD2/XS2A, FinTS or EBICS. This data is not available through the PSD2 interface alone.
  • Consistent: You integrate a single REST API (JSON, OAuth 2.0, TLS 1.3) and receive all data normalized in the same format – regardless of the channel it was retrieved through.
  • Optional: Full SEPA payment functionality with single and bulk credit transfers, instant payments as well as core, B2B and bulk direct debits. Verification of Payee (VoP) is included.
  • Included: You use the BaFin licence held by BANKSapi and need no PSD2 authorization of your own.
  • Extendable: Real-time data analytics (AI/Connect), ready-made microfrontends (WEB/Connect) and an MCP server for connecting to LLMs and AI agents (LLM/Connect).
  • Secure: A payment institution licensed under the German Payment Services Supervision Act (ZAG), compliant with GDPR and DORA, with an ISO 27001-certified ISMS – developed and hosted in Germany.

Order

Try BANKS/Connect free for 32 days!

Suitable for:
  • Multi User
  • Multi Banking

You can test BANKS/Connect risk-free for 32 days: no contract and no automatic renewal. Testing runs either against our demo provider (sandbox) or against real bank connections. Throughout the trial you have full access to all developer resources and to our technical support.

Billing afterwards is monthly per user, not by the number of accounts or API requests. That gives you planning certainty as your project or platform grows.

Please note: BANKS/Connect is a multi-tenant, multi-user product for providers that supply account connectivity to their own customers. If you only want to retrieve your own accounts, ONE/Connect is the right solution.

Please complete all fields. We need this information to set up your account. We use your mobile number solely to send you your password by SMS. Once you submit the form, you will receive your access credentials within one hour during our business hours. You can start right away – no call with our sales team required.

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    The conditions of the API Test Agreement apply. BANKSapi can contact you on this topic. Information about the processing of your personal data can be found in our privacy policy.

    FAQ

    BANKS/Connect is the Open Banking API of BANKSapi Technology GmbH, a payment institution licensed by BaFin and based in Munich, Germany. Through a single REST interface, software providers access accounts at more than 3,000 banks across the DACH region and initiate SEPA payments. BANKS/Connect is multi-tenant and designed for providers that supply account connectivity to their own customers.

    BANKS/Connect is aimed at ERP and accounting systems, process and workflow systems, SaaS platforms and personal finance managers that want to connect bank accounts for their users. Typical use cases are automated open-item reconciliation, liquidity planning, payment approvals and credit checks. Its scalable pricing structure makes BANKS/Connect suitable for start-ups and large enterprises alike.

    As standard, BANKS/Connect delivers balances and transactions for all payment accounts – current and business accounts held by private and corporate customers – at more than 3,000 banks across the DACH region, covering over 99 % of all payment accounts. The “Other accounts” add-on adds securities accounts, loan, savings, instant-access, fixed-term deposit and building society (Bauspar) accounts as well as credit cards and PayPal.

    A bank’s PSD2 interface provides payment accounts only. BANKS/Connect combines several access routes – PSD2/XS2A, FinTS and EBICS – and automatically selects the optimal one for each bank. This also makes securities accounts, loans, savings products and credit cards available, which PSD2 alone does not cover. All data is returned in the same normalized format, regardless of the access route used.

    No. You use the BaFin licence held by BANKSapi. Retrieving account data is covered by its authorization as an account information service provider (AISP), payment initiation by its authorization as a payment initiation service provider (PISP). BANKSapi calls this model REG/Protect: it shields you from the regulatory requirements and the effort of obtaining your own licence.

    Yes, via the SEPA add-on. Supported are single and bulk credit transfers, SEPA instant payments as well as core, B2B and bulk direct debits. Verification of Payee (VoP), mandatory under EU law, is included for credit transfers.

    Alongside documentation, OpenAPI specifications and SDKs in all common programming languages, BANKSapi provides its complete API documentation as an MCP server as well. Developers connect it directly to Claude Code, Cursor or other AI-assisted development environments – so the model works against the current specification instead of guessing it. Ready-made microfrontends (WEB/Connect) shorten integration further.

    BANKS/Connect runs exclusively in German high-security data centers operated by noris network AG, a provider classified as a critical infrastructure (KRITIS) operator under the German BSI Act, whose data centers are certified to ISO/IEC 27001, BSI IT-Grundschutz, EN 50600 and TÜViT TSI Level 4. No data is processed by US hyperscalers and no transfer to third countries takes place.

    BANKSapi is a payment institution licensed under the German Payment Services Supervision Act (ZAG) and is therefore subject to ongoing supervision as well as to the requirements of the European Digital Operational Resilience Act (DORA). Its information security management system is certified to ISO 27001. All data transmissions are TLS-encrypted, complemented by anti-money-laundering and fraud screening measures.

    BANKSapi bills monthly per user, not by the number of accounts or API requests – which gives you planning certainty as your user base grows. Additional functions such as other accounts, SEPA payments, data analytics or microfrontends are booked as add-ons. Contract terms of 12, 24 or 36 months are available; longer terms reduce the price.

    BANKS/Connect is multi-tenant and designed for any number of users – the right choice if you provide account connectivity to your customers inside your own software. ONE/Connect is a single-user licence for companies and sole traders that only want to retrieve their own accounts.

    Trial access ends automatically. No payment obligation arises and there is no automatic renewal. If you want to continue, you will receive an offer tailored to your requirements.
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