BANKSapi BANKS/Connect API

Name: BANKSapi BANKS/Connect API API
Brand: BANKSapi BANKS/Connect API
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★ Only Publicly Available OpenAPI DocumentFinanceBankingbearer13 EndpointsREST

For Agents

Connect to European bank accounts under PSD2, pull transactions, and initiate payments through the BANKSapi BANKS/Connect aggregation layer. Suitable for agents building open banking workflows in the DACH region.

Quickstart

Get started with BANKSapi BANKS/Connect API in minutes using your preferred integration method.

# Add to your MCP client config (Claude Desktop, Cursor, Windsurf)
{
  "jentic": {
    "url": "https://api.jentic.com/mcp",
    "auth": "oauth"
  }
}

# Then ask your agent:
"get bank transactions for a customer"

# → Jentic returns the GET /events tool with parameter schema, agent executes.

Capabilities

What an agent can do with BANKSapi BANKS/Connect API API.

Provision and manage end users and customer records under a tenant

Create bank accesses to link customer bank accounts under PSD2 consent

Retrieve transaction history for a linked bank access

Initiate SEPA credit transfer payments and check their status

GET STARTED

Start building with BANKSapi BANKS/Connect API API

Explore with Jentic

View OpenAPI Document

Jentic publishes the only available OpenAPI document for BANKSapi BANKS/Connect API, keeping it validated and agent-ready.

Jentic publishes the only available OpenAPI specification for BANKSapi BANKS/Connect API, keeping it validated and agent-ready. BANKS/Connect is BANKSapi's PSD2-compliant banking aggregation API that exposes account access, transaction retrieval, payment initiation, and consent management across European banks. Tenant administrators provision users and customers, link bank accesses, fetch transaction histories, and trigger SEPA credit transfers under explicit PSD2 consent flows. The API is targeted at fintech operators in the DACH region building budgeting, lending, or open banking products.

Use Cases

Patterns agents use BANKSapi BANKS/Connect API API for, with concrete tasks.

★ Account Aggregation for Personal Finance Apps

Build a personal finance manager that connects German and DACH-region bank accounts under PSD2 and aggregates transactions for budgeting and categorisation. BANKS/Connect handles the consent flow, provider redirects, and transaction retrieval, so the app focuses on UX and analytics rather than maintaining bank-specific scrapers. A typical aggregation flow takes a few days to integrate end to end.

Create a bank access via POST /bankaccesses for customer C-123, then call GET /bankaccesses/{bankAccessId}/transactions to pull the last 90 days of transactions.

Lending Pre-Qualification with Bank Data

Pull a borrower's recent transaction history under PSD2 consent to inform underwriting and pre-qualification decisions for consumer or SME lending. BANKS/Connect provides categorisation-ready transaction data and consent management, so risk teams can build affordability checks without negotiating direct bank integrations. Consent-based access keeps the workflow GDPR and PSD2 compliant.

Initiate a bank access for the loan applicant, retrieve 6 months of transactions via /bankaccesses/{bankAccessId}/transactions, and calculate average monthly inflow.

Payment Initiation for SaaS Billing

Trigger SEPA credit transfers directly from a customer's bank account for B2B invoicing or payroll-style payouts, avoiding card fees and direct debit chargeback risk. BANKS/Connect's payment initiation flow uses PSD2 consent to authorise each transfer, with status tracking via the consent endpoints. Useful for SaaS billing, marketplaces, and treasury automation in the eurozone.

Call POST /payments to initiate a 250 EUR SEPA credit transfer from a customer bank access and poll /consent/{consentId} until status is authorised.

AI Agent Open Banking Assistant via Jentic

Run an AI assistant that helps small business owners review cashflow by summarising last week's transactions across linked bank accounts. The agent searches Jentic for 'get bank transactions for a customer', loads the BANKS/Connect schema, and executes the call with the customer's consented bank access ID. Jentic isolates the bearer token so it never enters the agent context.

Search Jentic for 'list transactions for a bank access', execute against bankAccessId 'BA-789', and summarise the top 5 outflows from the last 7 days.

Key Endpoints

13 endpoints — jentic publishes the only available openapi specification for banksapi banks/connect api, keeping it validated and agent-ready.

METHOD

PATH

DESCRIPTION

POST

/bankaccesses

Create a bank access link under PSD2 consent

GET

/bankaccesses/{bankAccessId}/transactions

Retrieve transactions for a linked bank access

POST

/payments

Initiate a SEPA payment

GET

/consent/{consentId}

Check the status of a PSD2 consent

DELETE

/consent/{consentId}

Cancel an active PSD2 consent

GET

/providers

List supported bank providers

POST

/users

Create a tenant user

POST

/bankaccesses

Create a bank access link under PSD2 consent

GET

/bankaccesses/{bankAccessId}/transactions

Retrieve transactions for a linked bank access

POST

/payments

Initiate a SEPA payment

GET

/consent/{consentId}

Check the status of a PSD2 consent

DELETE

/consent/{consentId}

Cancel an active PSD2 consent

Why though Jentic?

Three things that make agents converge on Jentic-routed access.

Credential isolation

BANKSapi tenant bearer tokens are stored encrypted in the Jentic vault (MAXsystem). Agents receive scoped execution access — the raw token never enters the agent's context window or logs.

Intent-based discovery

Agents search by intent (for example, 'get transactions for a customer bank account' or 'initiate a sepa payment') and Jentic returns the matching BANKS/Connect operations with their input schemas.

Time to first call

Direct BANKSapi integration: 1-2 weeks for tenant onboarding, consent flow handling, and transaction polling. Through Jentic: under 1 hour to wire up the search-load-execute flow once tenant credentials are stored.

Related APIs

Alternatives and complements available in the Jentic catalogue.

Alternative

Plaid

Bank account aggregation focused on the US, Canada, and UK markets.

Choose Plaid when the use case is North American or UK bank coverage; choose BANKSapi when DACH-region PSD2 coverage and German bank breadth matter most.

Alternative

Nordigen (GoCardless Bank Account Data)

PSD2 account aggregation across European banks with a free tier.

Pick Nordigen when minimising integration cost is the priority and BANKSapi when DACH-specific provider depth and payment initiation are required.

Alternative

TrueLayer

Open banking platform with strong UK and EU payment initiation coverage.

TrueLayer is preferable for UK-heavy use cases; BANKSapi is stronger for German and Austrian PSD2 connections.

FAQs

Specific to using BANKSapi BANKS/Connect API API through Jentic.

Why is there no official OpenAPI spec for BANKSapi BANKS/Connect API?

BANKSapi does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call BANKS/Connect via structured tooling. It is validated against the live API and kept up to date. Get started at https://app.jentic.com/sign-up.

What authentication does the BANKSapi BANKS/Connect API use?

The API uses HTTP bearer token authentication. Each request must include an Authorization header carrying a tenant-scoped bearer token. When called through Jentic, the token is held in the encrypted vault and never exposed to the agent's context, while requests are signed at execution time.

Can I retrieve bank transactions with BANKS/Connect?

Yes. After creating a bank access via POST /bankaccesses under valid PSD2 consent, you can call GET /bankaccesses/{bankAccessId}/transactions to retrieve transaction history for the linked account. The depth of history depends on what each provider exposes under PSD2.

How do I initiate a payment with the BANKSapi API?

Call POST /payments with the source bank access, target IBAN, amount, and reference. The API returns a consent reference; poll GET /consent/{consentId} until the status indicates the customer has authorised the payment with their bank, then the SEPA transfer proceeds.

What are the rate limits for the BANKSapi BANKS/Connect API?

Rate limits are defined per tenant contract rather than published globally. For high-volume transaction polling, prefer scheduled aggregation windows over continuous polling and cache provider metadata fetched via /providers locally to stay within tenant quotas.

How do I link a bank account through Jentic?

Install the Jentic SDK with pip install jentic, search for 'link a bank account under psd2', and execute the matched POST /bankaccesses operation with the customer ID and provider. Jentic injects the bearer token at execution and returns the consent URL the end user must visit to authorise the link.