Kontomatik website screenshot

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.

Kontomatik publishes 16 APIs on the APIs.io network, including Aggregation API, Catalog API, Command API, and 13 more. Tagged areas include Open Banking, PSD2, AIS, Bank Data Aggregation, and CEE.

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

Kontomatik’s developer surface includes authentication, developer portal, documentation, getting-started guide, support, signup flow, engineering blog, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub
51.4/100 developing ▼ -6.6 Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessPaidSelf serve
16 APIs 16 Features
Open BankingPSD2AISBank Data AggregationCEEKYCCredit ScoringTransaction LabelingPDF Parsing

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 51.4/100 · developing
Contract Quality 17.9 / 25
Developer Ergonomics 9.1 / 20
Commercial Clarity 8.9 / 20
Operational Transparency 4.8 / 13
Governance 8.3 / 12
Discoverability 6.5 / 10
Agent readiness — 31/100 · agent aware
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 0 / 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/kontomatik: 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 16

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

Kontomatik Aggregation API

Cross-source aggregation

Kontomatik Catalog API

Bank coverage catalog

Kontomatik Command API

Background import commands and consent management

Kontomatik Confirmations API

Transaction confirmation PDF parsing

Kontomatik Features API

Owner-level financial metrics

Kontomatik Income API

Income confirmation

Kontomatik Labeling API

Transaction categorization

Kontomatik Mock API

Test session generation against KontoBank

Kontomatik Owner API

Owner data lifecycle

Kontomatik Profile API

Behavioral profiling (beta)

Kontomatik Reports API

Report token lifecycle

Kontomatik Score API

ML credit scoring

Kontomatik SignIn API

Redirection-based bank authentication flow

Kontomatik Statements API

Bank statement PDF parsing

Kontomatik Summary API

Aggregated financial summaries

Kontomatik Vendors API

Vendor / counterparty recognition (beta)

Scroll for all 16

Open Collections 4

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

Kontomatik Account Information Service API

OPEN COLLECTION

Kontomatik Data Analysis API

OPEN COLLECTION

Kontomatik PDF Parsing API

OPEN COLLECTION

Kontomatik Report API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Kontomatik Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Kontomatik Rate Limits

5 limits

RATE LIMITS

FinOps 1

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

Kontomatik Finops

FINOPS

Features 16

Notable capabilities this provider offers.

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

Scroll for all 16

Semantic Vocabularies 1

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

Kontomatik Context

33 classes · 0 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Kontomatik API Rules

5 rules · 3 warnings 2 info

SPECTRAL

Kontomatik API Rules

5 rules · 2 errors 3 warnings

SPECTRAL

JSON Schema 3

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

KontomatikAccount

8 properties

JSON SCHEMA

KontomatikOwner

7 properties

JSON SCHEMA

KontomatikTransaction

10 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Kontomatik Owner Graph Structure

0 properties

JSON STRUCTURE

Examples 3

Example request and response payloads for these APIs.

Kontomatik Default Import Example

6 fields

EXAMPLE

Kontomatik Pdf Statement Example

5 fields

EXAMPLE

Kontomatik Score Example

5 fields

EXAMPLE

Security Posture 3

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

Kontomatik Authentication

apiKey · 1 scheme

SECURITY

Kontomatik Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Kontomatik Trust Center

ISO 27001, GDPR

SECURITY

Agentic Access 1

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

Kontomatik Agentic Access

30 operations · 13 acting

30 operations · 13 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Portal
Portal
 GettingStarted
GettingStarted
 Signup
Signup
 Signup
Signup

Documentation 6

Reference material describing how the API behaves

Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Vocabulary
Vocabulary
 SpectralRules
SpectralRules

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 3

Status, limits, changes, and where to get help

Support
Support
 Support
Support
 RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 2

The organization behind the API

LinkedIn
LinkedIn
 Blog
Blog

Other 3

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑ 
aid: kontomatik
url: https://raw.githubusercontent.com/api-evangelist/kontomatik/refs/heads/main/apis.yml
apis:
- aid: kontomatik:kontomatik-aggregation-api
  name: Kontomatik Aggregation API
  description: Cross-source aggregation
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Aggregation
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-aggregation-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-catalog-api
  name: Kontomatik Catalog API
  description: Bank coverage catalog
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Catalog
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-catalog-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-command-api
  name: Kontomatik Command API
  description: Background import commands and consent management
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Command
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-command-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-confirmations-api
  name: Kontomatik Confirmations API
  description: Transaction confirmation PDF parsing
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Confirmations
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-confirmations-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-features-api
  name: Kontomatik Features API
  description: Owner-level financial metrics
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Features
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-features-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-income-api
  name: Kontomatik Income API
  description: Income confirmation
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Income
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-income-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-labeling-api
  name: Kontomatik Labeling API
  description: Transaction categorization
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Labeling
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-labeling-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-mock-api
  name: Kontomatik Mock API
  description: Test session generation against KontoBank
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Mock
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-mock-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-owner-api
  name: Kontomatik Owner API
  description: Owner data lifecycle
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Owner
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-owner-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-profile-api
  name: Kontomatik Profile API
  description: Behavioral profiling (beta)
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Profile
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-profile-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-reports-api
  name: Kontomatik Reports API
  description: Report token lifecycle
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Reports
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-reports-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-score-api
  name: Kontomatik Score API
  description: ML credit scoring
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Score
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-score-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-signin-api
  name: Kontomatik SignIn API
  description: Redirection-based bank authentication flow
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - SignIn
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-signin-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-statements-api
  name: Kontomatik Statements API
  description: Bank statement PDF parsing
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-statements-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-summary-api
  name: Kontomatik Summary API
  description: Aggregated financial summaries
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Summary
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-summary-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-vendors-api
  name: Kontomatik Vendors API
  description: Vendor / counterparty recognition (beta)
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Vendors
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-vendors-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
name: Kontomatik
tags:
- Open Banking
- PSD2
- AIS
- Bank Data Aggregation
- CEE
- KYC
- Credit Scoring
- Transaction Labeling
- PDF Parsing
kind: contract
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/kontomatik.png
access: 3rd-Party
common:
- type: AgenticAccess
  url: agentic-access/kontomatik-agentic-access.yml
- type: TrustCenter
  url: security/kontomatik-trust-center.yml
- type: DomainSecurity
  url: security/kontomatik-domain-security.yml
- type: Authentication
  url: authentication/kontomatik-authentication.yml
- url: https://kontomatik.com
  type: Portal
- url: https://developer.kontomatik.com/
  name: Kontomatik Developer Portal
  type: Documentation
- url: https://developer.kontomatik.com/docs/
  name: Unified Documentation
  type: Documentation
- url: https://developer.kontomatik.com/first-steps/
  name: First Steps
  type: GettingStarted
- url: https://developer.kontomatik.com/first-steps/api-overview/
  name: API Overview
  type: Documentation
- url: https://developer.kontomatik.com/first-steps/getting-api-access/
  name: Getting API Access
  type: Documentation
- url: https://developer.kontomatik.com/first-steps/insight/
  name: Insight Client Portal Guide
  type: Documentation
- url: https://developer.kontomatik.com/user-guides/
  name: User Guides
  type: Documentation
- url: https://developer.kontomatik.com/faq/
  name: FAQ
  type: Support
- url: https://insight.kontomatik.com/
  name: Insight Client Portal
  type: Signup
- url: https://kontomatik.com/contact
  name: Contact
  type: Support
- url: https://calendly.com/dominik-wolski-kontomatik/demo-call
  name: Book a Demo
  type: Signup
- url: https://www.linkedin.com/company/kontomatik
  type: LinkedIn
- url: https://github.com/kontomatik
  type: GitHubOrganization
- url: https://kontomatik.com/blog
  type: Blog
- url: plans/kontomatik-plans-pricing.yml
  type: Plans
- url: rate-limits/kontomatik-rate-limits.yml
  type: RateLimits
- url: finops/kontomatik-finops.yml
  type: FinOps
- url: vocabulary/kontomatik-vocabulary.yml
  type: Vocabulary
- url: rules/kontomatik-rules.yml
  type: SpectralRules
- type: Coverage
  data:
  - country: Poland
    countryCode: PL
    banks: 32
  - country: Spain
    countryCode: ES
    banks: 24
  - country: Portugal
    countryCode: PT
    banks: 22
  - country: Czech Republic
    countryCode: CZ
    banks: 10
  - country: Romania
    countryCode: RO
    banks: 8
  - country: Lithuania
    countryCode: LT
    banks: 6
  - country: Latvia
    countryCode: LV
    banks: 5
  - country: Estonia
    countryCode: EE
    banks: 5
- type: Features
  data:
  - 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
  sources:
  - https://kontomatik.com
  - https://developer.kontomatik.com/
  - https://developer.kontomatik.com/docs/
  - https://developer.kontomatik.com/first-steps/api-overview/
  - https://developer.kontomatik.com/first-steps/insight/
  updated: '2026-05-25'
- type: Office
  data:
  - name: Warsaw HQ
    entity: Kontomatik sp. z o.o.
    address: Bonifraterska 17, 00-203 Warsaw, Poland
    krs: 0000338706
    vatId: PL5213542911
  - name: Vilnius
    entity: Kontomatik UAB
    address: Didžioji 18, LT-01128 Vilnius, Lithuania
    registerNumber: '304852516'
- type: Email
  data:
  - label: General
    email: contact@kontomatik.com
  - label: Sales
    email: sales@kontomatik.com
  - label: Support
    email: support@kontomatik.com
  - label: Compliance
    email: compliance@kontomatik.com
  - label: PR
    email: pr@kontomatik.com
- type: Compliance
  data:
  - ISO 27001 certified
  - PSD2 licensed AIS provider
  - GDPR compliant
created: '2026-05-25T00:00:00.000Z'
modified: '2026-05-25'
position: Consuming
description: 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.
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.16'