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.

1 APIs 0 Features

Open BankingPSD2AISPPISPBankingFinancial ServicesAccount AggregationPayment InitiationEuropeNordicFinlandComplianceeIDASSCADORAGDPR

APIs

Enable Banking API

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 (ASPSP...

Collections

API reference

OPEN

Pricing Plans

Enable Banking Plans Pricing

3 plans

PLANS

Rate Limits

Enable Banking Rate Limits

5 limits

RATE LIMITS

FinOps

Enable Banking Finops

FINOPS

Semantic Vocabularies

Enable Banking Context

28 classes · 5 properties

JSON-LD

API Governance Rules

Enable Banking API Rules

10 rules · 3 errors 6 warnings

SPECTRAL

JSON Structure

Enable Banking Account Structure

11 properties

JSON STRUCTURE

Example Payloads

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

Resources

Documentation

GettingStarted

Documentation

ContactForm

GitHubOrganization

GitHubOrganization

CodeSamples

Sources

opencollection: 1.0.0
info:
  name: API reference
  version: 1.0.0-3030f99c
request:
  auth:
    type: bearer
    token: '{{bearerToken}}'
items:
- info:
    name: User sessions
    type: folder
  items:
  - info:
      name: Start user authorization
      type: http
    http:
      method: POST
      url: https://api.enablebanking.com/auth
      body:
        type: json
        data: '{}'
    docs: Start authorization by getting a redirect link and redirecting a PSU to that link
  - info:
      name: Authorize user session
      type: http
    http:
      method: POST
      url: https://api.enablebanking.com/sessions
      body:
        type: json
        data: '{}'
    docs: Authorize user session by provided authorization code
  - info:
      name: Get session data
      type: http
    http:
      method: GET
      url: https://api.enablebanking.com/sessions/:session_id
      params:
      - name: session_id
        value: ''
        type: path
        description: Previously authorized session ID
    docs: Get session data by session ID
  - info:
      name: Delete session
      type: http
    http:
      method: DELETE
      url: https://api.enablebanking.com/sessions/:session_id
      headers:
      - name: Psu-Ip-Address
        value: ''
      - name: Psu-User-Agent
        value: ''
      - name: Psu-Referer
        value: ''
      - name: Psu-Accept
        value: ''
      - name: Psu-Accept-Charset
        value: ''
      - name: Psu-Accept-Encoding
        value: ''
      - name: Psu-Accept-language
        value: ''
      - name: Psu-Geo-Location
        value: ''
      params:
      - name: session_id
        value: ''
        type: path
        description: Previously authorized session ID
    docs: Delete session by session ID. PSU's bank consent will be closed automatically if possible
- info:
    name: Accounts data
    type: folder
  items:
  - info:
      name: Get account details
      type: http
    http:
      method: GET
      url: https://api.enablebanking.com/accounts/:account_id/details
      headers:
      - name: Psu-Ip-Address
        value: ''
      - name: Psu-User-Agent
        value: ''
      - name: Psu-Referer
        value: ''
      - name: Psu-Accept
        value: ''
      - name: Psu-Accept-Charset
        value: ''
      - name: Psu-Accept-Encoding
        value: ''
      - name: Psu-Accept-language
        value: ''
      - name: Psu-Geo-Location
        value: ''
      params:
      - name: account_id
        value: ''
        type: path
        description: Account ID
    docs: Fetching account details from ASPSP for an account by its ID
  - info:
      name: Get account balances
      type: http
    http:
      method: GET
      url: https://api.enablebanking.com/accounts/:account_id/balances
      headers:
      - name: Psu-Ip-Address
        value: ''
      - name: Psu-User-Agent
        value: ''
      - name: Psu-Referer
        value: ''
      - name: Psu-Accept
        value: ''
      - name: Psu-Accept-Charset
        value: ''
      - name: Psu-Accept-Encoding
        value: ''
      - name: Psu-Accept-language
        value: ''
      - name: Psu-Geo-Location
        value: ''
      params:
      - name: account_id
        value: ''
        type: path
        description: PSU account ID accessible in the provided session
    docs: Fetching account balances from ASPSP for an account by its ID
  - info:
      name: Get account transactions
      type: http
    http:
      method: GET
      url: https://api.enablebanking.com/accounts/:account_id/transactions
      headers:
      - name: Psu-Ip-Address
        value: ''
      - name: Psu-User-Agent
        value: ''
      - name: Psu-Referer
        value: ''
      - name: Psu-Accept
        value: ''
      - name: Psu-Accept-Charset
        value: ''
      - name: Psu-Accept-Encoding
        value: ''
      - name: Psu-Accept-language
        value: ''
      - name: Psu-Geo-Location
        value: ''
      params:
      - name: account_id
        value: ''
        type: path
        description: PSU account ID accessible in the provided session
      - name: date_from
        value: ''
        type: query
        description: Date to fetch transactions from (including the date, UTC timezone is assumed)
      - name: date_to
        value: ''
        type: query
        description: Date to fetch transactions to (including the date, UTC timezone is assumed)
      - name: continuation_key
        value: ''
        type: query
        description: Key, allowing iterate over multiple API pages of transactions
      - name: transaction_status
        value: ''
        type: query
        description: Filter transactions by provided status
      - name: strategy
        value: ''
        type: query
        description: Strategy how transaction are fetched
    docs: Fetching account transactions from ASPSP for an account by its ID
  - info:
      name: Get transaction details
      type: http
    http:
      method: GET
      url: https://api.enablebanking.com/accounts/:account_id/transactions/:transaction_id
      headers:
      - name: Psu-Ip-Address
        value: ''
      - name: Psu-User-Agent
        value: ''
      - name: Psu-Referer
        value: ''
      - name: Psu-Accept
        value: ''
      - name: Psu-Accept-Charset
        value: ''
      - name: Psu-Accept-Encoding
        value: ''
      - name: Psu-Accept-language
        value: ''
      - name: Psu-Geo-Location
        value: ''
      params:
      - name: account_id
        value: ''
        type: path
        description: Account ID
      - name: transaction_id
        value: ''
        type: path
        description: Transaction ID
    docs: Fetching transaction details from ASPSP for an account transaction by its ID
- info:
    name: Payments
    type: folder
  items:
  - info:
      name: Create payment
      type: http
    http:
      method: POST
      url: https://api.enablebanking.com/payments
      body:
        type: json
        data: '{}'
    docs: Creating a payment consisting of one or multiple payment transactions
  - info:
      name: Get payment
      type: http
    http:
      method: GET
      url: https://api.enablebanking.com/payments/:payment_id
      params:
      - name: payment_id
        value: ''
        type: path
        description: Payment ID
    docs: Fetching payment status and details
  - info:
      name: Delete payment
      type: http
    http:
      method: DELETE
      url: https://api.enablebanking.com/payments/:payment_id
      params:
      - name: payment_id
        value: ''
        type: path
        description: Payment ID
    docs: Delete finished or failed payment
  - info:
      name: Get payment transaction
      type: http
    http:
      method: GET
      url: https://api.enablebanking.com/payments/:payment_id/transactions/:transaction_id
      params:
      - name: payment_id
        value: ''
        type: path
        description: Payment ID
      - name: transaction_id
        value: ''
        type: path
        description: Transaction ID
    docs: Fetching transaction details for a single transaction within a bulk payment
- info:
    name: Misc
    type: folder
  items:
  - info:
      name: Get list of ASPSPs
      type: http
    http:
      method: GET
      url: https://api.enablebanking.com/aspsps
      params:
      - name: country
        value: ''
        type: query
        description: Display only ASPSPs from specified country
      - name: psu_type
        value: ''
        type: query
        description: Display only ASPSPs which support specified psu type
      - name: service
        value: ''
        type: query
        description: Display only ASPSPs which support specified service
      - name: payment_type
        value: ''
        type: query
        description: Display only ASPSPs which support specified payment type
    docs: Get list of ASPSPs with their meta information
  - info:
      name: Get application
      type: http
    http:
      method: GET
      url: https://api.enablebanking.com/application
    docs: Get application associated with provided JWT key ID
bundled: true