# Enable Banking

**Canonical:** https://apis.io/providers/enable-banking/  
**Website:** https://enablebanking.com  
**APIs profiled:** 4

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.

## Kin Score — 46.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 46.2).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 70.6 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 45.2 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 21.5 (matched via tags).

## Agent readiness — 35.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (4)

- **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.

## Agentic access (1)

- **Enable Banking Agentic Access** — 14 operations · 5 acting

## Security (2)

- **Enable Banking Authentication** — http · 1 scheme
- **Enable Banking Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Enable Banking Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/enable-banking/). Scores are computed from the provider's own public artifacts under a published rubric.