Power Your Financial Platform with Open Banking APIs
Enterprise-grade PSD2-compliant API infrastructure connecting banks, fintechs, and financial platforms. Access account data, initiate payments, and build innovative financial products at scale.
Everything You Need to Build Open Banking Products
A complete infrastructure layer that handles PSD2 compliance, bank connectivity, and security — so you can focus on building great financial products.
Account Information API
Access real-time account balances, transaction history, and financial data from 500+ European banks with a single API.
Payment Initiation API
Initiate domestic and cross-border payments directly from bank accounts. Instant confirmation, transparent fees.
PSD2 Compliance Engine
Built-in compliance with EU PSD2 directive, Berlin Group standards, and eIDAS regulations across all supported markets.
Developer-First Platform
Comprehensive SDKs, interactive sandbox, detailed documentation, and dedicated developer support to ship faster.
Bank-Grade Security
End-to-end encryption, FAPI security profile, OAuth 2.0, mutual TLS, and continuous threat monitoring built in.
Global Infrastructure
Multi-region deployment with 99.99% SLA, automated failover, and sub-200ms latency across Europe and beyond.
The Complete Open Banking Stack
Our platform provides all three Open Banking service types defined under PSD2, giving you a comprehensive solution for any financial use case.
Account Information Services
Retrieve comprehensive account data including balances, transactions, and standing orders from any connected European bank.
- Real-time balance & transaction data
- Multi-bank account aggregation
- Historical transaction retrieval
- Categorisation & enrichment
Payment Initiation Services
Initiate single, bulk, and recurring payments directly from customer bank accounts across 30+ European countries.
- Instant payment confirmation
- SEPA & domestic payments
- Bulk payment processing
- Scheduled & recurring payments
Confirmation of Funds
Instantly verify whether a customer's account has sufficient funds before initiating a transaction or providing a service.
- Millisecond fund verification
- No data storage of balance
- PSD2 Article 65 compliant
- Reduce fraud & chargebacks
RESTful APIs Built for Modern Financial Platforms
Our PSD2-compliant REST APIs provide standardized access to European banking data and payment initiation services. Built on open banking standards with comprehensive documentation and sandbox testing environments.
- Berlin Group NextGenPSD2 compliant
- OAuth 2.0 & OpenID Connect authentication
- Real-time payment status webhooks
- FAPI financial-grade security profile
Scalable Infrastructure for Financial Innovation
Built on cloud-native microservices architecture, our platform scales from startup MVPs to enterprise-grade deployments handling millions of transactions per day.
Multi-Region
EU data residency with multi-cloud deployment
Auto-Scaling
Handles traffic spikes automatically
Real-Time
Webhooks & SSE for live data streams
Sandbox
Full testing environment with mock banks
Monitoring
24/7 infrastructure monitoring & alerting
SLA 99.99%
Enterprise uptime guarantee with credits
// Install SDK
npm install @openbankpsd2/sdk
// Initialize client
const client = new OpenBankPSD2({
apiKey: process.env.API_KEY,
environment: 'sandbox'
});
// Fetch accounts
const accounts = await
client.accounts.list();
// → { accounts: [...], total: 3 }
Build Faster with Our Developer Toolkit
From SDK to sandbox, we've built everything you need to integrate Open Banking APIs in hours, not weeks.
Bank-Grade Security Built for Financial Services
Our platform adheres to stringent security standards and regulatory requirements, ensuring your financial data and payment operations are always protected.
PSD2 Compliant
Full compliance with EU Payment Services Directive 2
ISO 27001
Information security management system certified
SOC 2 Type II
Service organization controls for security & availability
GDPR Ready
Full EU General Data Protection Regulation compliance
eIDAS Compliant
Electronic identification and trust services regulation
FAPI Security
Financial-grade API security profile implemented
Trusted by Leading Financial Institutions
Powering open banking for banks, neobanks, and fintechs worldwide
Ready to Build with Open Banking?
Join thousands of developers and financial institutions using our PSD2-compliant API infrastructure.