canonical: https://jentic.com/apis/commerzbank.com/commerzbank

# Commerzbank PSD2 Open Banking API

The Commerzbank PSD2 Open Banking API provides Berlin Group access to Commerzbank accounts under PSD2: it lists accounts, reads balances and transactions, manages access consents, initiates payments, and confirms funds availability. Use it to build account-information and payment-initiation flows against Commerzbank as a licensed third-party provider.

## For AI agents

List Commerzbank accounts, read balances and transactions, create and manage access consents, initiate payments, and confirm funds availability under the PSD2 Berlin Group standard.

## Scope

Does not open accounts, issue cards, or serve retail customers directly; it is a PSD2 third-party-provider interface requiring a valid consent. Use for Commerzbank account information, consents, payments, and funds confirmation only.

## Capabilities

- List the customer's accounts and read the details of one account
- Read the balances and transactions for an account
- Create an access consent and check or delete it
- Start and manage consent authorisations
- Initiate a payment and read or cancel its status
- Confirm whether funds are available for an amount

## Use cases

### AI agent account aggregation

An AI agent reads balances and transactions across the accounts a customer has consented to share, so a reporting workflow can categorize spending. Through Jentic the agent finds the account-information operations by intent and calls them within the active consent, without hand-building the Berlin Group headers.

Example prompt: List the consented accounts and return the last 30 days of transactions for each

### Payment initiation

A payment workflow initiates a transfer for a chosen payment product and then polls the payment status until it settles or is rejected. The API separates initiation from status so the workflow can confirm the outcome before notifying the customer.

Example prompt: Initiate a SEPA credit transfer and poll its status until it is accepted

### Funds confirmation

Before charging a customer, a merchant checks whether the account holds enough for the amount using the funds-confirmation endpoint. The API returns a yes or no answer under the customer's consent, so the debit can proceed only when funds are present.

Example prompt: Confirm whether a consented account has at least the required amount available

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| GET | `/berlingroup/v1/accounts` | List accounts |
| GET | `/berlingroup/v1/accounts/{account-id}/balances` | Get account balances |
| GET | `/berlingroup/v1/accounts/{account-id}/transactions` | Get account transactions |
| POST | `/berlingroup/v1/consents` | Create an access consent |
| POST | `/berlingroup/v1/payments/{payment-product}` | Initiate a payment |
| POST | `/berlingroup/v1/funds-confirmations` | Confirm funds availability |

## Key resources

- **Accounts** — List accounts and read balances and transactions for an account
- **Consents** — Create, check, delete, and authorise access consents
- **Payments and funds** — Initiate payments, read or cancel payment status, and confirm funds availability

## Why Jentic

- **Setup:** Calling the Commerzbank PSD2 API by hand means running the OAuth2 authorization-code flow with the right ais, pis, or fcs scope, creating a consent, and following the Berlin Group headers on every call. Through Jentic you install once, import the API, connect your OAuth2 credential, and your agent calls it.
- **Permission scoping:** The account id, consent id, and payment id sit in the URL path, so a rule can allow your agent to read balances and transactions while blocking payment initiation and consent deletion. You choose the operations it may call, so money-moving requests are excluded unless you add them.
- **Credential handling:** Your Commerzbank OAuth2 credential is stored once, encrypted, by your own Jentic One instance and injected when the agent runs. It never appears in the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'read account transactions' or 'initiate a payment', and Jentic returns the matching Commerzbank operation with its input schema so the agent calls the right endpoint without parsing the Berlin Group spec.

## Related APIs

- **National Bank of Greece** — PSD2 open banking API for National Bank of Greece accounts.
- **OpenFintech** — Reference data for financial institutions, currencies, and payment methods.
- **Ntropy** — Enriches and categorizes bank transaction data.

## FAQ

### Is there a Commerzbank PSD2 MCP server?

You don't need an MCP server to connect your agent to the Commerzbank PSD2 API. Jentic connects it directly from the API Directory: import the API, connect your OAuth2 credential, and your agent reads accounts and initiates payments on demand.

### Can I limit what my agent is allowed to do with the Commerzbank PSD2 API?

Yes. Write a rule that allows only the account-information reads, so the agent can pull balances and transactions but cannot initiate a payment or delete a consent. The account and payment ids travel in the URL path, and every call the agent makes is logged.

### What authentication does the Commerzbank PSD2 API use?

The Commerzbank PSD2 API authenticates with OAuth2 using the authorization-code flow and PSD2 scopes, per its OpenAPI spec. Through Jentic the OAuth2 credential is stored once by your self-hosted instance and injected at call time, so it never reaches the agent's context.

### Can I read a customer's transactions with the Commerzbank PSD2 API?

Yes, once the customer has granted a consent. Create the consent, have it authorised, then read the account list and the balances and transactions for each account within the consent's scope.

### What are the rate limits for the Commerzbank PSD2 API?

The OpenAPI spec does not specify rate limits. PSD2 rules cap unattended account access to a limited number of calls per day, so check Commerzbank's developer terms before scheduling frequent syncs.

### How do I connect the Commerzbank PSD2 API to my AI agent?

Search the Jentic API Directory for the Commerzbank operation you need, such as reading account transactions, and import it. To run it on your own infrastructure, install Jentic One from its GitHub repo, then your agent calls the API with your OAuth2 credential injected at execution time.