Enable Banking

aid: enable-banking
url: https://raw.githubusercontent.com/api-evangelist/enable-banking/refs/heads/main/apis.yml
apis:
  - aid: enable-banking:enable-banking-api
    name: Enable Banking API
    tags:
      - Open Banking
      - PSD2
      - AISP
      - PISP
      - Account Information
      - Payment Initiation
      - Banking
      - Aggregation
      - Europe
      - Nordic
    humanURL: https://enablebanking.com/docs/api/reference/
    baseURL: https://api.enablebanking.com
    properties:
      - url: https://enablebanking.com/docs/
        type: Documentation
      - url: https://enablebanking.com/docs/api/reference/
        type: Documentation
      - url: https://enablebanking.com/docs/api/getting-started/
        type: GettingStarted
      - url: openapi/enable-banking-api-openapi.yml
        type: OpenAPI
      - url: https://enablebanking.com/docs/api/reference/enablebanking-api.yaml
        type: OpenAPI
      - url: json-schema/enable-banking-account-schema.json
        type: JSONSchema
      - url: json-schema/enable-banking-transaction-schema.json
        type: JSONSchema
      - url: json-schema/enable-banking-payment-schema.json
        type: JSONSchema
      - url: json-structure/enable-banking-account-structure.json
        type: JSONStructure
      - url: json-ld/enable-banking-context.jsonld
        type: JSONLD
      - url: rules/enable-banking-rules.yml
        type: SpectralRules
      - url: vocabulary/enable-banking-vocabulary.yml
        type: Vocabulary
      - type: SDK
        name: Python Samples
        url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/python_example
      - type: SDK
        name: JavaScript Samples
        url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/js_example
      - type: SDK
        name: Go Samples
        url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/go_example
      - type: SDK
        name: C# Samples
        url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/cs_example
      - type: SDK
        name: PHP Samples
        url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/php_example
      - type: SDK
        name: Ruby Samples
        url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/ruby_example
      - type: Postman
        url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/postman_example
      - type: CLI
        name: enablebanking-cli
        url: https://github.com/enablebanking/enablebanking-cli
      - type: Tools
        name: eIDAS Broker
        url: https://github.com/enablebanking/open_banking_eidas_broker
      - type: GitHubOrganization
        url: https://github.com/enablebanking
      - type: ControlPanel
        url: https://enablebanking.com/cp/
      - type: Sandbox
        url: https://tilisy.com
      - type: Pricing
        url: https://enablebanking.com/pricing/
      - type: Blog
        url: https://enablebanking.com/blog/
      - type: Changelog
        url: https://enablebanking.com/changelog/
      - type: Portal
        url: https://enablebanking.com
      - type: Authentication
        name: JWT (RS256) Bearer
        url: https://enablebanking.com/docs/api/reference/#authentication
      - type: Plans
        url: plans/enable-banking-plans-pricing.yml
      - type: RateLimits
        url: rate-limits/enable-banking-rate-limits.yml
      - type: FinOps
        url: finops/enable-banking-finops.yml
      - type: Features
        data:
          - Single harmonized REST API across 2,700+ European banks (ASPSPs) in 30 EEA countries
          - Account Information Services (AIS) — accounts, balances, transactions, up to 12 months history
          - Payment Initiation Services (PIS) — SEPA, instant, bulk, standing orders, country-specific schemes
          - PSD2-licensed AISP regulated by the Finnish Financial Supervisory Authority (FIN-FSA)
          - PSU (Payment Service User) authorization with Strong Customer Authentication (SCA) flows
          - User sessions with consent scope (accounts, balances, transactions, payments) and validity windows
          - ASPSP discovery endpoint returning country, name, BIC, supported auth methods and PSU types
          - Personal and business account support; corporate, savings, credit-card and loan account types where exposed
          - JWT-based application authentication (RS256, eIDAS certificate-backed, 24h max TTL)
          - Webhooks for asynchronous session, account, and payment lifecycle events
          - Control Panel for application management, certificates, logs, and live monitoring
          - Sandbox environment via api.tilisy.com (legacy) and api.enablebanking.com (current)
          - HAL+JSON link-following for paginated transactions and balances
          - TPP Infrastructure-as-a-Service for licensed Third Party Providers
          - eIDAS broker microservice for mTLS signing against ASPSP APIs
          - DORA and GDPR compliant; PSD3 / FIDA roadmap
          - 25M+ API requests processed monthly; 1,000+ ASPSP integrations updated annually
          - SDK code samples in C#, Go, JavaScript, PHP, Postman, Python, and Ruby
        sources:
          - https://enablebanking.com
          - https://enablebanking.com/docs/
          - https://enablebanking.com/docs/api/reference/
          - https://enablebanking.com/blog/
          - https://github.com/enablebanking
        updated: '2026-05-25'
    description: >-
      The Enable Banking API is a single harmonized PSD2 Open Banking API providing Account Information Services (AIS)
      and Payment Initiation Services (PIS) across 2,700+ banks (ASPSPs) in 30 European countries. The API normalizes
      user sessions, consent and SCA flows, account details, balances, transactions, and payment initiation behind one
      REST surface. Authentication uses application-issued JWTs signed with RS256 against an eIDAS-backed certificate
      registered via the Enable Banking Control Panel. Endpoint groups cover User sessions (/auth, /sessions), Accounts
      data (/accounts/{account_id}/details, /balances, /transactions), Payments (/payments and /payments/{payment_id}),
      and Misc (/aspsps, /application).
common:
  - url: https://enablebanking.com
    type: Portal
  - url: https://enablebanking.com/docs/
    type: Documentation
  - url: https://enablebanking.com/docs/api/getting-started/
    type: GettingStarted
  - url: https://enablebanking.com/docs/api/reference/
    type: Documentation
  - url: https://enablebanking.com/blog/
    type: Blog
  - url: https://enablebanking.com/changelog/
    type: Changelog
  - url: https://enablebanking.com/pricing/
    type: Pricing
  - url: https://enablebanking.com/about/
    type: About
  - url: https://enablebanking.com/contact/
    type: ContactForm
  - url: https://enablebanking.com/cp/
    name: Control Panel
    type: Console
  - url: https://tilisy.com
    name: Tilisy Demo
    type: Demo
  - url: https://github.com/enablebanking
    type: GitHubOrganization
  - url: https://github.com/enablebanking/enablebanking-api-samples
    type: CodeSamples
  - url: https://github.com/enablebanking/enablebanking-cli
    type: CLI
  - url: https://github.com/enablebanking/open_banking_eidas_broker
    type: Tools
  - url: https://github.com/enablebanking/psd2-oidc-mock
    type: Tools
  - url: https://www.linkedin.com/company/enable-banking/
    type: LinkedIn
  - url: plans/enable-banking-plans-pricing.yml
    type: Plans
  - url: rate-limits/enable-banking-rate-limits.yml
    type: RateLimits
  - url: finops/enable-banking-finops.yml
    type: FinOps
created: '2026-05-25'
modified: '2026-05-25'
position: Consuming
description: >-
  Enable Banking is a Finland-based Open Banking connectivity engine and licensed PSD2 Account Information Service
  Provider (AISP) regulated by the Finnish Financial Supervisory Authority (FIN-FSA). Headquartered in Espoo, Enable
  Banking provides a single harmonized API across 2,700+ banks (ASPSPs) in 30 European countries, exposing Account
  Information Services (AIS) and Payment Initiation Services (PIS), TPP Infrastructure-as-a-Service for licensed Third
  Party Providers, and an eIDAS-backed JWT authentication model. The platform processes 25M+ API requests monthly across
  the EEA and maintains 1,000+ ASPSP integrations, serving accounting and ERP platforms, credit risk and KYC providers,
  wealth managers, and payment service providers including Qred Bank, Fimento, CapitalBox, and iDenfy. Enable Banking is
  GDPR and DORA compliant with an active PSD3 / FIDA roadmap.
maintainers:
  - FN: Kin Lane
    email: info@apievangelist.com
    X: apievangelist
    url: https://apievangelist.com
specificationVersion: '0.16'
name: Enable Banking
tags:
  - Open Banking
  - PSD2
  - AISP
  - PISP
  - Banking
  - Financial Services
  - Account Aggregation
  - Payment Initiation
  - Europe
  - Nordic
  - Finland
  - Compliance
  - eIDAS
  - SCA
  - DORA
  - GDPR
image: https://enablebanking.com/static/og-image.png