36banks
12countries
10standards
Open banking is going from a utopia to a reality in Europe. PSD2 regulation empowers many use-cases capable of shifting the landscape of financial industry and eRetail in Europe.
Also, PSD2 regulation is creating one of the biggest and most accessible and harmonised market in the world. The European banking industry is becoming a standardised market attracting different new and innovative players.
To provide relevant service based on PSD2, business have to connect to hundreds of European banks, if not all of them
The authorisation process is so heavy and demanding that only happy few can achieve
Account and transaction data as
account type, balance, currency,
country and other
SEPA transfers & SEPA instant transfers
{
"meta": {
"customer_id": "6d156cce7570d7cf12ef267e75003ecb"
},
"data": [
{
"id": "30d10d844ed716021219a0d9563d3e95df9da58b9370d745c249b1eb5005ad38",
"type": "accounts",
"attributes": {
"account_id": "123000000002600",
"iban": "DE10000000000000002600",
"balance": 1169.26,
"account_name": "my account",
"account_type": "CURRENT_ACCOUNT",
"currency": "EUR",
"product": "KK-Konto/Persönliches Konto",
}
},
{
"id": "4f548a4004125c84599918937a9765d02aba48205ae548ab847089f68ab51934",
"type": "accounts",
"attributes": {
"account_id": "123000000002611",
"iban": DE10000000000000002611,
"balance": 31911.64,
"currency": "EUR",
"account_name": "saving account",
"account_type": "SAVING",
"product": "KK-Konto/Persönliches Konto",
}
}
]
}
{
"meta": {
"customer_id": "6d156cce7570d7cf12ef267e75003ecb"
},
"data": [
{
"id": "74234e98afe7498fb5daf1f36ac2d78acc339464f950703b8c019892f982b90b",
"type": "transactions",
"attributes": {
"account_id": "DE10000000000000002600",
"transaction_id": "234543254544343432",
"booking_date": "2017-04-27T00:00:00.000",
"value_date": "2017-04-27T00:00:00.000",
"amount": -52.5,
"currency": "EUR",
"communication": "Beer Money",
"beneficiary": {
"name": "GEZ",
"account_id": "DE10000000000000123456",
"swift_bic": fddodexx
},
}
},
{
"id": "74234e98afe7498fb5daf1f36ac2d78acc339464f950703b8c019892f982b90b",
"type": "transactions",
"attributes": {
"account_id": "DE10000000000000002600",
"transaction_id": "234543254544348765",
"booking_date": "2017-04-27T00:00:00.000",
"value_date": "2017-04-27T00:00:00.000",
"amount": -1080,
"currency": "EUR",
"communication": "Thanks buddy",
"beneficiary": {
"name": "Hans Felsenkamp",
"account_id": "DE55201900030000675488",
"swift_bic": deutde
},
}
}
]
}
{
"meta": {
"customer_id": "6d156cce7570d7cf12ef267e75003ecb"
},
"data":[
{
"id": "62610159e79550c9ad727e3e81446e6f40f905be4bf6904ae0de95e287294fb7",
"type": "accountholders",
"attributes": {
"first_name": "CECILIA",
"middle_name": "STEFANIA",
"last_name": "OLIVERTWIST",
"sex": "FEMALE",
"birthdate": "1975-05-05",
"marital_status": "MARRIED",
"emails": [
{
"email_type": "PRIVATE",
"email": "caop@gmail.com"
},
{
"email_type": "WORK",
"email": "caop@fintecture.com"
}
],
"phones": [
{
"phone_number": "0664352323",
"phone_type": "PRIVATE",
"phone_extension": "0033"
}
],
"identity_documents": [
{
"id_number": "078000000P",
"id_type": "NATIONALID",
"id_expiration_date": "2022-05-12",
"id_issue_date": "2012-05-12",
"id_country": "ES",
"id_issue_city": "MADRID"
}
],
"addresses": [
{
"address_type": "HOME",
"address1": "Rue Charles De Gaulle",
"address2": "8",
"zip": "00004",
"city": "Paris",
"country": "France"
}
]
}
}
]
]
{
"data": {
"type" : "payment",
"attributes" : {
"debited_account_id" : "123000000002600",
"amount" : "170",
"currency": "EUR",
"transferType": "SEPA",
"feePolicy": "SHARED",
"communication" : "Keep your dirty money!",
"beneficiary" : {
"name" : "Bob McCheese",
"address1" : "Rue du Jura",
"address2": "12",
"address3": "",
"address4": "",
"zip": "12003",
"country": "Cyprus",
"iban" : "CY6593857450293470",
"swift_bic": "HEBACY2NXXX"
},
"_external_uid": "1234"
}
}
}
security at every level
