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 19 more developer resources.

🌐 Visit website 📡 Source on GitHub

50.9/100 developing ▬ flat Agent 27/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreemiumSelf serve⚡ Free to try

1 APIs

Open Banking PSD2 AISP PISP Banking Financial-Services Account Aggregation Payment Initiation Europe Nordic Finland Compliance eIDAS SCA DORA GDPR

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 50.9/100 · developing

Contract Quality 13.5 / 19

Developer Ergonomics 9.3 / 15

Access Clarity 5.9 / 15

Operational Transparency 3.3 / 10

Contract Governance 2.6 / 9

Discoverability 5.1 / 8

Regulatory Posture 3.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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 6

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

API Collection

OPEN COLLECTION

API reference Accounts data API

OPEN COLLECTION

API reference

OPEN COLLECTION

API reference Accounts data Misc API

OPEN COLLECTION

API reference Accounts data Payments API

OPEN COLLECTION

API reference Accounts data User sessions API

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

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Portal

GettingStarted

Console

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

CodeSamples

CLI

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 4

The organization behind the API

Website

Website

Blog

Blog

About

About

LinkedIn

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

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: []
  tags_raw:
  - 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
  tags_raw:
  - 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: Website
  url: https://www.enablebanking.com/
- type: CapabilityMap
  url: capabilities/enable-banking-capability-edges.yml
  name: Enable Banking Business Capability Map
- 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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  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: '0.23'
name: Enable Banking
tags:
- Open Banking
- PSD2
- AISP
- PISP
- Banking
- Financial-Services
- Account Aggregation
- Payment Initiation
- Europe
- Nordic
- Finland
- Compliance
- eIDAS
- SCA
- DORA
- GDPR
tags_raw:
- 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

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