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 5 Capabilities 0 Features

Open BankingPSD2AISPPISPBankingFinancial ServicesAccount AggregationPayment InitiationEuropeNordicFinlandComplianceeIDASSCADORAGDPR

Enable Banking publishes 1 API on the APIs.io network. Tagged areas include Open Banking, PSD2, AISP, PISP, and Banking.

The Enable Banking catalog on APIs.io includes 5 machine-runnable capabilities, 1 JSON-LD context, and 1 Spectral governance ruleset.

Enable Banking’s developer surface includes developer portal, documentation, getting-started guide, engineering blog, changelog, pricing, developer console, and 13 more developer resources.

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...

Capabilities

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Enable Banking API — Accounts Data

Enable Banking — Accounts Data capability covering AIS retrieval of account details, balances, and transactions from authorized PSU accounts. Lead operation: Get Account Transac...

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Enable Banking API — ASPSPs and Application

Enable Banking — Misc capability covering ASPSP (bank) directory discovery and application metadata lookup. Lead operation: Get List of ASPSPs.

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Enable Banking — Open Banking Workflow

Workflow capability composing the Enable Banking PSD2 Open Banking surface into a single end-to-end flow — ASPSP discovery, PSU authorization, account retrieval, transaction syn...

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Enable Banking API — Payments

Enable Banking — Payments capability covering PSD2 Payment Initiation Services (PIS): create payment, retrieve payment status, retrieve underlying bank transaction, and delete a...

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Enable Banking API — User Sessions

Enable Banking — User Sessions capability covering PSU authorization, session creation, lookup, and deletion against the Enable Banking aggregation API. Lead operation: Start Us...

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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

Resources

Documentation

GettingStarted

Documentation

ContactForm

GitHubOrganization

GitHubOrganization

CodeSamples

Sources

aid: enable-banking
url: https://raw.githubusercontent.com/api-evangelist/enable-banking/refs/heads/main/apis.yml
apis:
- aid: enable-banking:enable-banking-api
  name: Enable Banking API
  tags:
  - Open Banking
  - PSD2
  - AISP
  - PISP
  - Account Information
  - Payment Initiation
  - Banking
  - Aggregation
  - Europe
  - Nordic
  humanURL: https://enablebanking.com/docs/api/reference/
  baseURL: https://api.enablebanking.com
  properties:
  - url: https://enablebanking.com/docs/
    type: Documentation
  - url: https://enablebanking.com/docs/api/reference/
    type: Documentation
  - url: https://enablebanking.com/docs/api/getting-started/
    type: GettingStarted
  - url: openapi/enable-banking-api-openapi.yml
    type: OpenAPI
  - url: https://enablebanking.com/docs/api/reference/enablebanking-api.yaml
    type: OpenAPI
  - url: json-schema/enable-banking-account-schema.json
    type: JSONSchema
  - url: json-schema/enable-banking-transaction-schema.json
    type: JSONSchema
  - url: json-schema/enable-banking-payment-schema.json
    type: JSONSchema
  - url: json-structure/enable-banking-account-structure.json
    type: JSONStructure
  - url: json-ld/enable-banking-context.jsonld
    type: JSONLD
  - url: rules/enable-banking-rules.yml
    type: SpectralRules
  - url: vocabulary/enable-banking-vocabulary.yml
    type: Vocabulary
  - type: NaftikoCapability
    url: capabilities/sessions-user-sessions.yaml
  - type: NaftikoCapability
    url: capabilities/accounts-accounts-data.yaml
  - type: NaftikoCapability
    url: capabilities/payments-payments.yaml
  - type: NaftikoCapability
    url: capabilities/aspsps-misc.yaml
  - type: NaftikoCapability
    url: capabilities/open-banking.yaml
  - type: SDK
    name: Python Samples
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/python_example
  - type: SDK
    name: JavaScript Samples
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/js_example
  - type: SDK
    name: Go Samples
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/go_example
  - type: SDK
    name: C# Samples
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/cs_example
  - type: SDK
    name: PHP Samples
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/php_example
  - type: SDK
    name: Ruby Samples
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/ruby_example
  - type: Postman
    url: https://github.com/enablebanking/enablebanking-api-samples/tree/master/postman_example
  - type: CLI
    name: enablebanking-cli
    url: https://github.com/enablebanking/enablebanking-cli
  - type: Tools
    name: eIDAS Broker
    url: https://github.com/enablebanking/open_banking_eidas_broker
  - type: GitHubOrganization
    url: https://github.com/enablebanking
  - type: ControlPanel
    url: https://enablebanking.com/cp/
  - type: Sandbox
    url: https://tilisy.com
  - type: Pricing
    url: https://enablebanking.com/pricing/
  - type: Blog
    url: https://enablebanking.com/blog/
  - type: Changelog
    url: https://enablebanking.com/changelog/
  - type: Portal
    url: https://enablebanking.com
  - type: Authentication
    name: JWT (RS256) Bearer
    url: https://enablebanking.com/docs/api/reference/#authentication
  - type: Plans
    url: plans/enable-banking-plans-pricing.yml
  - type: RateLimits
    url: rate-limits/enable-banking-rate-limits.yml
  - type: FinOps
    url: finops/enable-banking-finops.yml
  - type: Features
    data:
    - Single harmonized REST API across 2,700+ European banks (ASPSPs) in 30 EEA countries
    - Account Information Services (AIS) — accounts, balances, transactions, up to 12 months history
    - Payment Initiation Services (PIS) — SEPA, instant, bulk, standing orders, country-specific schemes
    - PSD2-licensed AISP regulated by the Finnish Financial Supervisory Authority (FIN-FSA)
    - PSU (Payment Service User) authorization with Strong Customer Authentication (SCA) flows
    - User sessions with consent scope (accounts, balances, transactions, payments) and validity windows
    - ASPSP discovery endpoint returning country, name, BIC, supported auth methods and PSU types
    - Personal and business account support; corporate, savings, credit-card and loan account types where exposed
    - JWT-based application authentication (RS256, eIDAS certificate-backed, 24h max TTL)
    - Webhooks for asynchronous session, account, and payment lifecycle events
    - Control Panel for application management, certificates, logs, and live monitoring
    - Sandbox environment via api.tilisy.com (legacy) and api.enablebanking.com (current)
    - HAL+JSON link-following for paginated transactions and balances
    - TPP Infrastructure-as-a-Service for licensed Third Party Providers
    - eIDAS broker microservice for mTLS signing against ASPSP APIs
    - DORA and GDPR compliant; PSD3 / FIDA roadmap
    - 25M+ API requests processed monthly; 1,000+ ASPSP integrations updated annually
    - SDK code samples in C#, Go, JavaScript, PHP, Postman, Python, and Ruby
    sources:
    - https://enablebanking.com
    - https://enablebanking.com/docs/
    - https://enablebanking.com/docs/api/reference/
    - https://enablebanking.com/blog/
    - https://github.com/enablebanking
    updated: '2026-05-25'
  description: 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 (ASPSPs) in 30 European countries.
    The API normalizes user sessions, consent and SCA flows, account details, balances, transactions, and payment
    initiation behind one REST surface. Authentication uses application-issued JWTs signed with RS256 against an
    eIDAS-backed certificate registered via the Enable Banking Control Panel. Endpoint groups cover User sessions
    (/auth, /sessions), Accounts data (/accounts/{account_id}/details, /balances, /transactions), Payments
    (/payments and /payments/{payment_id}), and Misc (/aspsps, /application).
common:
- url: https://enablebanking.com
  type: Portal
- url: https://enablebanking.com/docs/
  type: Documentation
- url: https://enablebanking.com/docs/api/getting-started/
  type: GettingStarted
- url: https://enablebanking.com/docs/api/reference/
  type: Documentation
- url: https://enablebanking.com/blog/
  type: Blog
- url: https://enablebanking.com/changelog/
  type: Changelog
- url: https://enablebanking.com/pricing/
  type: Pricing
- url: https://enablebanking.com/about/
  type: About
- url: https://enablebanking.com/contact/
  type: ContactForm
- url: https://enablebanking.com/cp/
  name: Control Panel
  type: Console
- url: https://tilisy.com
  name: Tilisy Demo
  type: Demo
- url: https://github.com/enablebanking
  type: GitHubOrganization
- url: https://github.com/enablebanking/enablebanking-api-samples
  type: CodeSamples
- url: https://github.com/enablebanking/enablebanking-cli
  type: CLI
- url: https://github.com/enablebanking/open_banking_eidas_broker
  type: Tools
- url: https://github.com/enablebanking/psd2-oidc-mock
  type: Tools
- url: https://www.linkedin.com/company/enable-banking/
  type: LinkedIn
- url: plans/enable-banking-plans-pricing.yml
  type: Plans
- url: rate-limits/enable-banking-rate-limits.yml
  type: RateLimits
- url: finops/enable-banking-finops.yml
  type: FinOps
created: '2026-05-25'
modified: '2026-05-25'
position: Consuming
description: 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.
maintainers:
- FN: Kin Lane
  email: [email protected]
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.16'
name: Enable Banking
tags:
- Open Banking
- PSD2
- AISP
- PISP
- Banking
- Financial Services
- Account Aggregation
- Payment Initiation
- Europe
- Nordic
- Finland
- Compliance
- eIDAS
- SCA
- DORA
- GDPR
image: https://enablebanking.com/static/og-image.png