Enable Banking website screenshot

Enable Banking

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.

Enable Banking publishes 4 APIs on the APIs.io network, including Accounts data API, Misc API, Payments API, and 1 more. Tagged areas include Open Banking, PSD2, AISP, PISP, and Banking.

The Enable Banking catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Enable Banking’s developer surface includes authentication, developer portal, documentation, getting-started guide, engineering blog, changelog, pricing, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub
54.7/100 developing ▼ -5.8 Agent 38/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessFreemiumSelf serve⚡ Free to try
4 APIs
Open BankingPSD2AISPPISPBankingFinancial ServicesAccount AggregationPayment InitiationEuropeNordicFinlandComplianceeIDASSCADORAGDPR

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 54.7/100 · developing
Contract Quality 17.6 / 25
Developer Ergonomics 11.7 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 6.8 / 13
Governance 7.0 / 12
Discoverability 7.4 / 10
Agent readiness — 38/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/enable-banking: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 4

Individual APIs this provider publishes, each with its own machine-readable definition.

Enable Banking Accounts data API

The Accounts data API from Enable Banking — 4 operation(s) for accounts data.

Enable Banking Misc API

The Misc API from Enable Banking — 2 operation(s) for misc.

Enable Banking Payments API

The Payments API from Enable Banking — 3 operation(s) for payments.

Enable Banking User sessions API

The User sessions API from Enable Banking — 3 operation(s) for user sessions.

Postman Collections 4

Ready-to-run Postman collections for exercising this provider's APIs.

API reference Accounts data API

POSTMAN

API reference Accounts data Misc API

POSTMAN

API reference Accounts data Payments API

POSTMAN

API reference Accounts data User sessions API

POSTMAN

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API reference

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Enable Banking Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Enable Banking Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Enable Banking Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Enable Banking Context

28 classes · 5 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Enable Banking API Rules

5 rules · 4 warnings 1 info

SPECTRAL

Enable Banking API Rules

10 rules · 3 errors 6 warnings

SPECTRAL

JSON Schema 3

Standalone JSON Schema definitions for this provider's data models.

Enable Banking Account

12 properties

JSON SCHEMA

Enable Banking Payment

8 properties

JSON SCHEMA

Enable Banking Transaction

21 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Enable Banking Account Structure

11 properties

JSON STRUCTURE

Examples 3

Example request and response payloads for these APIs.

Enable Banking Create Payment Example

2 fields

EXAMPLE

Enable Banking Get Account Transactions Example

2 fields

EXAMPLE

Enable Banking Start Authorization Example

2 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Enable Banking Authentication

http · 1 scheme

SECURITY

Enable Banking Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Enable Banking Agentic Access

14 operations · 5 acting

14 operations · 5 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Portal
Portal
 GettingStarted
GettingStarted
 Console
Console
 Demo
Demo

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 6

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace
PostmanWorkspace
 GitHubOrganization
GitHubOrganization
 CodeSamples
CodeSamples
 CLI
CLI
 Tools
Tools
 Tools
Tools

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 3

Status, limits, changes, and where to get help

ChangeLog
ChangeLog
 ContactForm
ContactForm
 RateLimits
RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

Blog
Blog
 About
About
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: enable-banking
url: https://raw.githubusercontent.com/api-evangelist/enable-banking/refs/heads/main/apis.yml
apis:
- aid: enable-banking:enable-banking-accounts-data-api
  name: Enable Banking Accounts data API
  description: The Accounts data API from Enable Banking — 4 operation(s) for accounts data.
  humanURL: https://enablebanking.com/docs/api/reference/
  baseURL: https://api.enablebanking.com
  tags:
  - Accounts data
  properties:
  - type: OpenAPI
    url: openapi/enable-banking-accounts-data-api-openapi.yml
  - type: Documentation
    url: https://enablebanking.com/docs/
  - type: Documentation
    url: https://enablebanking.com/docs/api/reference/
  - type: GettingStarted
    url: https://enablebanking.com/docs/api/getting-started/
  - type: JSONSchema
    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: JSONStructure
    url: json-structure/enable-banking-account-structure.json
  - type: JSONLD
    url: json-ld/enable-banking-context.jsonld
  - type: SpectralRules
    url: rules/enable-banking-rules.yml
  - type: Vocabulary
    url: vocabulary/enable-banking-vocabulary.yml
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/python_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/js_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/go_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/cs_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/php_example
  - type: SDKs
    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
    url: https://github.com/enablebanking/enablebanking-cli
  - type: Tools
    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
    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
    url: null
- aid: enable-banking:enable-banking-misc-api
  name: Enable Banking Misc API
  description: The Misc API from Enable Banking — 2 operation(s) for misc.
  humanURL: https://enablebanking.com/docs/api/reference/
  baseURL: https://api.enablebanking.com
  tags:
  - Misc
  properties:
  - type: OpenAPI
    url: openapi/enable-banking-misc-api-openapi.yml
  - type: Documentation
    url: https://enablebanking.com/docs/
  - type: Documentation
    url: https://enablebanking.com/docs/api/reference/
  - type: GettingStarted
    url: https://enablebanking.com/docs/api/getting-started/
  - type: JSONSchema
    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: JSONStructure
    url: json-structure/enable-banking-account-structure.json
  - type: JSONLD
    url: json-ld/enable-banking-context.jsonld
  - type: SpectralRules
    url: rules/enable-banking-rules.yml
  - type: Vocabulary
    url: vocabulary/enable-banking-vocabulary.yml
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/python_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/js_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/go_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/cs_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/php_example
  - type: SDKs
    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
    url: https://github.com/enablebanking/enablebanking-cli
  - type: Tools
    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
    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
    url: null
- aid: enable-banking:enable-banking-payments-api
  name: Enable Banking Payments API
  description: The Payments API from Enable Banking — 3 operation(s) for payments.
  humanURL: https://enablebanking.com/docs/api/reference/
  baseURL: https://api.enablebanking.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/enable-banking-payments-api-openapi.yml
  - type: Documentation
    url: https://enablebanking.com/docs/
  - type: Documentation
    url: https://enablebanking.com/docs/api/reference/
  - type: GettingStarted
    url: https://enablebanking.com/docs/api/getting-started/
  - type: JSONSchema
    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: JSONStructure
    url: json-structure/enable-banking-account-structure.json
  - type: JSONLD
    url: json-ld/enable-banking-context.jsonld
  - type: SpectralRules
    url: rules/enable-banking-rules.yml
  - type: Vocabulary
    url: vocabulary/enable-banking-vocabulary.yml
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/python_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/js_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/go_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/cs_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/php_example
  - type: SDKs
    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
    url: https://github.com/enablebanking/enablebanking-cli
  - type: Tools
    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
    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
    url: null
- aid: enable-banking:enable-banking-user-sessions-api
  name: Enable Banking User sessions API
  description: The User sessions API from Enable Banking — 3 operation(s) for user sessions.
  humanURL: https://enablebanking.com/docs/api/reference/
  baseURL: https://api.enablebanking.com
  tags:
  - User sessions
  properties:
  - type: OpenAPI
    url: openapi/enable-banking-user-sessions-api-openapi.yml
  - type: Documentation
    url: https://enablebanking.com/docs/
  - type: Documentation
    url: https://enablebanking.com/docs/api/reference/
  - type: GettingStarted
    url: https://enablebanking.com/docs/api/getting-started/
  - type: JSONSchema
    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: JSONStructure
    url: json-structure/enable-banking-account-structure.json
  - type: JSONLD
    url: json-ld/enable-banking-context.jsonld
  - type: SpectralRules
    url: rules/enable-banking-rules.yml
  - type: Vocabulary
    url: vocabulary/enable-banking-vocabulary.yml
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/python_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/js_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/go_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/cs_example
  - type: SDKs
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/php_example
  - type: SDKs
    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
    url: https://github.com/enablebanking/enablebanking-cli
  - type: Tools
    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
    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
    url: null
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/enable-banking/overview
- type: AgenticAccess
  url: agentic-access/enable-banking-agentic-access.yml
- type: DomainSecurity
  url: security/enable-banking-domain-security.yml
- type: Authentication
  url: authentication/enable-banking-authentication.yml
- 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
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
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