The Complete Who’s Who of Banking APIs
Policemen carry badges. Firemen carry red hats. Store personnel carry a name tag. Virtually everyone has some kind of token to prove that they have a business entering or leaving from a designated or restricted area.
The digital world also has such tokens. They are called APIs or application program interfaces. Much as a police officer shows his badge to enter a crime scene, computer programs carry an API as a badge to enter secured computer systems.
Banks and financial services providers are such restricted, designated areas, and their computer systems for a long time have lacked a token or a badge for entry. This means we could not get a loan from a bank where we are not already a client. Apps to improve spending habits could not advance further, because they could not get the permission to see your recent financial history.
If Deutsche Bank wanted to get info from Garantibank for a particular customer, Deutsche Bank gets a special badge or token to enter into Garantibank’s database on behalf of that customer. That is an open banking API.
In the last 5–10 years, many tech shops all the way from Eastern Europe to Latin America have set themselves up to solve this little challenge. Their progress has been immense, and the purpose of this post is to capture their reach in accessing more banks and providing better solutions to financial services providers.
This will be crowdsourced, so please help me add in any additional useful or relevant info you can.
Kontomatik
Kreditech subsidiary in Warsaw, Poland that allows importing of data from multiple banks. Currently serves banks and nonbank lenders in Czech Republic, Spain, Italy, Mexico, Poland, Portugal, Russia, and UK. Banks to which Kontomatik allows access (not clients) include:
• Air Bank
• Era
• Fio banka
• Moneta (GE Money Bank)
• mBank
• Raiffeisen Bank
• Česká spořitelna
• UniCredit Bank
• Inbiz
• UBI Banca
• citibanamex
• Scotiabank
• Credit Agricole
• Alior Bank
• BOŚ Bank
• BZWBK
• Citi Handlowy
• Deutsche Bank Poland
• eurobank
• BGŻ BNP Paribas (PL@NET)
• Getin Bank
• Idea Bank
• ING Bank Śląski
• Inteligo
• mBank
• Millennium
• BGŻ Optima
• Orange Finanse
• Pekao SA
• PKO BP
• Pocztowy
• Nest Bank
• T-Mobile Usługi Bankowe
• BPI
• Caixadirecta
• Millennium BCP
• Montepio
• Novo Banco
• Santander Totta
• Альфа-Банк — Альфа-Клик
• Банк Хоум Кредит
• МДМ
• Промсвязьбанк
• Райффайзенбанк
• Сбербанк России
• Тинькофф Банк
• ЮниКредит Банк
• ВТБ24
• WebMoney
• Abanca
• Bankia
• Bankinter Empresas
• Bankinter
• BBVA
• Banco Mare Nostrum
• La Caixa
• Cajamar
• Caja España
• EVO
• Ibercaja
• ING Direct
• Kutxabank
• Liberbank La Mancha
• Liberbank
• Banco Popular
• Caja Rural (ruralvía)
• Sabadell
• Santander
• Unicaja
• Barclays
• Co-operative Bank
• Halifax
• HSBC
• Lloyds Bank
• Natwest Bank
• RBS England & Wales
• Santander UK
• Bank of Scotland
• TSB Bank
Figo
Hamburg based Banking as a Service platform that connects banks with modern financial solutions. Clients include:
• Fincite
• Auxmoney
• Debitoor
• Deutsche Bank
• Consorsbank
• Cringle
• Fino
• Bonify
• Kontoalarm
• Fastbill
• Weclapp
Salt Edge
Moldovan-Canadian financial data aggregation provider plus PFM solutions provider. Banks to which Salt Edge allows access (not clients) include:
• Belinvestbank CSV
• IdeaBank 24
• IdeaBank (Sbsibank.by)
• Prior Bank Business
• Альфа-Банк
• Банк БелВЭБ
• Банк Москва-Минск
• Белагропромбанк
• Беларусбанк
• Белгазпромбанк
• БПС-Сбербанк
• МТБанк
• РРБ-Банк
• Технобанк
• Raiffeisen Bank Business CSV
• Альфа-Банк
• ОТП Банк
• Ощадбанк
• Перший Український Міжнародний банк
• Пивденный
• ПриватБанк
• ПроКредит Банк
• Райффайзен Банк Аваль
• Сбербанк России в Украине
• Укрексімбанк
• УкрСиббанк BNP Paribas Group
• Укрсоцбанк UniCredit Bank
• Универсал Банк
• Banca Comercială Română Chişinău (InfoCont.md)
• Comerțbank
• Energbank
• Eurocreditbank
• Eximbank
• MobiasBanca
• Moldindconbank
• Moldova-Agroindbank
• Procreditbank
• Victoriabank DA
• Alpha Bank
• Banca Comercială Română
• Banca Română pentru Dezvoltare MyBRD
• Banca Transilvania
• Bancpost
• BRD@ffice
• CEC Bank
• Citibank BE
• ING Bank
• Raiffeisenbank
• UniCredit Țiriac Personal Bank
• Allianz Bank
• First Investment Bank
• Postbank
• Raiffeisenbank
• Société Générale Expressbank
• Банка ДСК
• Обединена Българска Банка
• ПроКредит Банк
• Първа инвестиционна банка
• УниКредит Булбанк
• Централна Кооперативна Банка
• Alior Bank SA
• Bank Zachodni WBK
• Idea Bank
• ING Bank CSV
• mBank
• Millennium Bank
• American Express
• Banca Popolare di Sondrio
• Banco di Napoli
• Banco Popolare Area Imprese(Beta)
• Barclays CSV
• BNL Business
• Cari FVG
• Cariromagna Bank
• CartaChiara dal ICBPI
• CartaSi
• Cassa di Risparmio del Veneto
• CheBanca!
• CR Bologna
• Credito Emiliano
• Cr Firenze
• Cr Pistoia e Lucchesia
• Cr Umbria
• Deutsche Bank Italia
• Fineco Bank
• Intesa Sanpaolo
• Monte dei Paschi di Siena
• UBI Banca
Instantor
Swedish-Croatian KYC solution that is based on a platform that unifies APIs across various markets and provides an automated risk analysis system. Working with over 200 banks in 16 countries. Banks to which they allow access (not clients) include:
• Danske Bank
• Forex Bank
• ICA Banken AB
• Länsförsäkringar AB
• Marginalen Bank
• Nordea Bank AB
• SBAB!
• Skandiabanken AB
• Skandinaviska Enskilda Banken AB
• Sparbanken Syd
• Svenska Handelsbanken AB
• Swedbank AB
• Aktia
• Handelsbanken
• Oma Säästöpankki
• Osuuspankki
• POP Pankki
• S-Pankki
• Säästöpankki
• Citadele
• Krediidipank
• LHV
• SEB
• Swedbank
• Äripank
• DNB
• Latvijas Pasta Banka
• Meridian Trade Bank
• Norvik
• PrivatBank
• Medicinos Bankas
• Šiaulių bankas
• Alior Bank
• BGŻ BNP Paribas
• BOŚ S.A.
• BPS e25
• Bank BPH
• Bank Millennium
• Bank Pocztowy
• Bank Zachodni WBK S.A.
• Citi Handlowy
• Credit Agricole
• Deutsche Bank Polska
• Euro Bank
• Getin Noble
• ING Bank
• Inteligo
• NestBank
• Orange Finanse
• PKO — Nowy serwis
• Plus Bank
• Polska Kasa Opieki (PEKAO)
• Raiffeisen Polska
• SKOK bank
• TMobile
• Toyota Bank
• Volkswagen Bank
• mBank S.A.
• Airbank
• Citi bank
• EQUA bank
• ERA bank
• Expobank (LBBW)
• FIO bank
• ING bank
• KB (Komerční banka)
• Oberbank
• Sberbank
• ZUNO bank
• mBank
• ČSOB
• Česká Spořitelna
• ASN
• Rabobank
• RegioBank
• SNS
• Triodos
• Abanca
• BBVA
• Banca March
• Banco Mare Nostrum
• Banco Pastor
• Banco Popular
• Banco Sabadell
• Bankia
• Bankinter
• CaixaBank
• Caja Rural
• Caja de Ingenieros
• Cajamar
• Deutsche Bank España
• EspañaDuero
• Evo Banco
• ING Direct
• Ibercaja Banco
• Kutxabank
• Laboral Kutxa
• Liberbank
• Santander
• Unicaja Banco
• Addiko (HYPO)
• Erste banka
• HPB — Poštanska banka
• Kentbank
• OTP banka
• PBZ — Privredna banka
• RBA — Raiffeisen
• Sberbank
• Splitska (OTP Splitska)
• Zaba — Zagrebačka banka
• Alpha
• BCR (ERSTE) Bank
• BRD
• Banca Transilvania
• Bancpost
• CEC
• Garantibank
• Allianz
• Alpha Bank
• Bulgarian American Credit Bank
• Central Cooperative Bank
• Cibank
• DSK Bank
• EFG Postbank
• Fibank
• Piraeus Bank
• Societe Generale Expressbank
• United Bank
• Bank Republic
• Bank of Georgia
• Basis Bank
• Capital Bank
• Cartu Bank
• Kor Standard Bank
• Liberty
• ProCredit Bank
• Silk Road Bank
• TBC Bank
• VTB Bank
• Azteca
• BBVA Bancomer
• BanCoppel
• Banamex
• Banorte
• HSBC
• Santander
• Scotiabank
• Itau
Xignite
California based provider of cloud based financial market APIs with real-time market data. Their clients include:
• Wealthfront
• Personal Capital
• Betterment
• FutureAdvisor
• FolioInvesting
• Yodlee
• HandyApps
• SIGFIG
• Jemstep
• alphaCLONE
• Square
• Cashstar
• Currency Cloud
• Currency Fair
• EFT Global
• Seeking Global
• Investopedia
• Motley Fool
• Stock Twits
• ETF.com
• Robinhood
• Etoro
• Motifinvesting
• 8securities
• Rubicoin
• Marketprophit
• Kensho
• Money.Net
• YCharts
• ChartIQ
Plaid
San Francisco based aggregator for bank accounts. Banks that work with them include
• Chase
• Bank of America
• Wells Fargo
• Citi
• US Bank
• USAA
• Fidelity
• PNC
Yodlee
Data platform and data analytics tool for financial institutions, with APIs for account verification and financial wellness. Built a single API that connects a banks internal developer systems with developers. Clients include:
• Questis
• Forward Financing
• Bill Guard
• Credit Karma
• Personal Capital
• Wisely
• SaveUp
• Financial Insights
• LearnVest
• Prosper Daily
Teller
API for building applications to view accounts. https://teller.io/
Quovo
Account aggregation and bank authentication tool from New York.
Railsbank
London based banking API developer from former founder of Currency Cloud. Recently raised $1 million.
SDK.finance
Czech Republic based cloud and multi product platform.
Banks which launched their own APIs
• BNP Paribas
• Fidor
• Mondo
• Saxo Bank
• OCBC
• BBVA Compass
• ASB8
• CBW Bank
• Privatbank
• Telefónica Deutschland
• Banco do Brasil
• Banca Sella
