Kontomatik

Kontomatik is a Warsaw- and Vilnius-based PSD2-licensed open banking provider delivering bank data aggregation, KYC, credit scoring, income verification, transaction labeling, and PDF statement parsing across Central and Eastern Europe (Poland, Czech Republic, Romania, Lithuania, Latvia, Estonia) and Iberia (Spain, Portugal). The platform combines an Account Information Service (AIS) with Single, Multiple, and Mixed access modes, Polish-bank PDF parsing in standard and trusted modes, and an analytical stack (labeling, vendor recognition, scoring, profiling, data summary, income confirmation) plus the Kontomatik Report. Operations are managed through the Insight client portal with API-key issuance, IP whitelisting, role-based access, and 2FA.

4 APIs 16 Features

Open BankingPSD2AISBank Data AggregationCEEKYCCredit ScoringTransaction LabelingPDF Parsing

APIs

Kontomatik Account Information Service API

PSD2-regulated Account Information Service for connecting end-user bank accounts across Poland, Czech Republic, Spain, Portugal, Romania, Lithuania, Latvia, and Estonia. Support...

Kontomatik PDF Parsing API

Extract structured owner, account, and transaction data from Polish bank statement and transaction confirmation PDFs. Offers standard mode (rejects on verification failures) and...

Kontomatik Data Analysis API

ML-powered analytical services on top of imported bank data — transaction labeling, vendor recognition (beta), credit scoring with repayment probability, behavioral profiling (b...

Kontomatik Report API

Create, list, and retrieve shareable Kontomatik Report tokens that bundle imported AIS and PDF data together with the analytical outputs into authenticated, time-bound deliverab...

Collections

Kontomatik Account Information Service API

OPEN

Kontomatik Data Analysis API

OPEN

Kontomatik PDF Parsing API

OPEN

Kontomatik Report API

OPEN

Pricing Plans

Kontomatik Plans Pricing

2 plans

PLANS

Rate Limits

Kontomatik Rate Limits

5 limits

RATE LIMITS

FinOps

Kontomatik Finops

FINOPS

Features

PSD2-regulated Account Information Service (AIS) with Single, Multiple, and Mixed access modes

Multiple Access consent tokens reusable for up to 180 days

Redirection and Widget-based SignIn Flow

KontoBank mock bank for sandbox testing

PDF statement and confirmation parsing for Polish banks (standard and trusted modes)

Owner Upload endpoint for blending external financial data

Transaction labeling, vendor recognition (beta), and external-data labeling

ML credit scoring with repayment probability and explanations

Behavioral profiling (beta) and owner-feature extraction

Data summaries per category / account and income confirmation across four configurable timespans

Kontomatik Report (beta) — authenticated, time-bound shareable reports

Insight client portal with role-based access, 2FA, IP whitelisting, API key issuance, and usage statistics

ISO 27001 certified information security management

GDPR-compliant data handling with 24-hour default retention

Coverage across 8 CEE / Iberian markets — Poland, Czech Republic, Spain, Portugal, Romania, Lithuania, Latvia, Estonia

150+ live customers across financial services, e-commerce, real estate, accounting, and leasing

Semantic Vocabularies

Kontomatik Context

33 classes · 0 properties

JSON-LD

API Governance Rules

Kontomatik API Rules

5 rules · 2 errors 3 warnings

SPECTRAL

JSON Structure

Kontomatik Owner Graph Structure

0 properties

JSON STRUCTURE

Example Payloads

Kontomatik Default Import Example

6 fields

EXAMPLE

Kontomatik Pdf Statement Example

5 fields

EXAMPLE

Kontomatik Score Example

5 fields

EXAMPLE

Resources

Documentation

Documentation

GettingStarted

Documentation

Documentation

Documentation

Documentation

GitHubOrganization

GitHubOrganization

SpectralRules

Sources

opencollection: 1.0.0
info:
  name: Kontomatik Report API
  version: 1.0.0
request:
  auth:
    type: apikey
    key: X-Api-Key
    value: '{{X-Api-Key}}'
    placement: header
items:
- info:
    name: Reports
    type: folder
  items:
  - info:
      name: Create Report Token
      type: http
    http:
      method: POST
      url: https://api.kontomatik.com/v1/report/token
      body:
        type: json
        data: '{}'
    docs: Creates a report token granting authenticated access to a generated owner report.
  - info:
      name: List Report Tokens
      type: http
    http:
      method: GET
      url: https://api.kontomatik.com/v1/report/tokens
      params:
      - name: ownerExternalId
        value: ''
        type: query
    docs: Lists available report tokens for the calling organization.
  - info:
      name: Get Report Content
      type: http
    http:
      method: GET
      url: https://api.kontomatik.com/v1/report/:token
      params:
      - name: token
        value: ''
        type: path
    docs: Fetches the report content addressed by a report token.
bundled: true