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

# La Banque Postale PSD2 API

Jentic publishes the only available OpenAPI specification for La Banque Postale PSD2 API, keeping it validated and agent-ready. La Banque Postale's PSD2 API exposes regulated open banking endpoints for licensed third-party providers: Account Information Service Provider (AISP) endpoints for account balances, owners, overdrafts, and transactions, and Payment Initiation Service Provider (PISP) endpoints for initiating, retrieving, and confirming payment requests. Authentication uses OAuth 2.0 authorization code flow with PSD2-style scopes.

## For AI agents

Access La Banque Postale PSD2 open banking endpoints: read account balances, owners, overdrafts, and transactions, and initiate or confirm payment requests.

## Scope

Does not handle card issuing, lending decisions, or non-PSD2 corporate banking - use for La Banque Postale AISP and PISP open banking only.

## Capabilities

- Retrieve a user's accounts and account owners via GET `/v2/accounts` and GET `/v2/accounts/{id}/owners` under AISP consent
- Read account overdraft state and limits via GET `/v2/accounts/{id}/overdrafts` to inform spending decisions
- List transaction history via GET `/v2/transactions` with date and account filters
- Read account balances via GET `/v2/balances` for spending power and reconciliation
- Initiate payment requests via POST `/v2/payment-requests` under PISP consent
- Confirm payment requests via POST `/v2/payment-requests/{id}/confirmation` after Strong Customer Authentication

## Use cases

### Account Aggregation (AISP)

Aggregate a customer's La Banque Postale balances and transactions into a personal-finance dashboard. Under PSD2 AISP consent, GET `/v2/accounts` enumerates the user's accounts, GET `/v2/balances` returns balances, and GET `/v2/transactions` returns paginated transaction history. Owners and overdrafts can be enriched on demand from /owners and /overdrafts.

Example prompt: GET `/v2/accounts` to list accounts, then GET `/v2/balances` and GET `/v2/transactions` for each account ID to populate a dashboard view.

### Payment Initiation (PISP)

Initiate SEPA-style payments from a La Banque Postale account on behalf of an authorised user. POST `/v2/payment-requests` creates a payment request, the user authenticates with Strong Customer Authentication on the bank's side, and POST `/v2/payment-requests/{id}/confirmation` confirms execution. The intermediate state can be inspected via GET `/v2/payment-requests/{id}.`

Example prompt: POST `/v2/payment-requests` with debtor account, creditor account, and amount, await SCA, then POST `/v2/payment-requests/{id}/confirmation` to execute.

### Reconciliation Pipeline

Pull La Banque Postale transactions into an accounting system for daily reconciliation. The agent reads `/v2/transactions` on a schedule, deduplicates against last-seen IDs, and writes new transactions into the ledger. `/v2/balances` acts as the daily closing-balance check.

Example prompt: GET `/v2/transactions` with the date range since the last sync, write new transactions into the ledger, and GET `/v2/balances` to record the day's closing balance.

### AI Agent Banking Assistant

An assistant in a banking app reads balances, summarises spending, and initiates payments on instruction from the account owner. Through Jentic, the assistant calls La Banque Postale's PSD2 endpoints by intent without holding the OAuth refresh token in the agent context, and SCA stays inside the bank's own flow.

Example prompt: On 'pay 250 EUR to my landlord today', POST `/v2/payment-requests` with the saved beneficiary IBAN and 250 EUR, then prompt for SCA and POST `/v2/payment-requests/{id}/confirmation.`

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| GET | `/v2/accounts` | Retrieve accessible accounts (AISP) |
| GET | `/v2/balances` | Retrieve balances |
| GET | `/v2/transactions` | Retrieve transactions |
| POST | `/v2/payment-requests` | Initiate a payment request (PISP) |
| POST | `/v2/payment-requests/{id}/confirmation` | Confirm a payment request after SCA |
| GET | `/v2/accounts/{id}/owners` | Retrieve account owners |
| GET | `/v2/accounts/{id}/overdrafts` | Retrieve account overdrafts |

## Key resources

- **Accounts (AISP)** — Account list, owners, and overdraft information.
- **Transactions (AISP)** — Transaction history filtered by account and date.
- **Balances (AISP)** — Current and available balances per account.
- **Payment Requests (PISP)** — Initiate, retrieve, and confirm SEPA-style payment requests.

## Why Jentic

- **Setup:** Wiring the La Banque Postale PSD2 API by hand means running the OAuth2 authorization-code flow, tracking the aisp and pisp scopes, and rotating tokens against api.labanquepostale.com yourself. Through Jentic you install once, import the La Banque Postale PSD2 API from the API Directory, store the OAuth credentials once, and your agent calls it.
- **Permission scoping:** La Banque Postale gates access by PSD2 OAuth scope, so scope the agent to the operations it needs, such as reading accounts, balances, and transactions under the aisp scope. You choose that set, so payment-initiation operations under pisp are not included unless you add them.
- **Credential handling:** Your La Banque Postale OAuth tokens are stored once, encrypted, by your own Jentic One instance, which rotates them at execution time. The long-lived banking credentials never enter the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'read La Banque Postale balances' or 'initiate a SEPA payment', and Jentic returns the matching PSD2 operation with its input schema so the agent calls the right endpoint without browsing the reference docs.

## Related APIs

- **Plaid API** — Aggregator API that wraps many banks behind a single interface.
- **TrueLayer API** — European open banking aggregator covering AISP and PISP across many banks.
- **GoCardless API** — SEPA Direct Debit and bank-to-bank payments alongside payment initiation.

## FAQ

### Why is there no official OpenAPI spec for La Banque Postale PSD2 API?

La Banque Postale publishes documentation on developer.labanquepostale.com but does not expose a single canonical OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call La Banque Postale PSD2 API via structured tooling. It is validated against the live API and kept up to date. Get started with Jentic One, the self-hosted execution layer.

### What authentication does the La Banque Postale PSD2 API use?

The API uses OAuth 2.0 authorization code flow under PSD2 rules. The user authenticates with the bank, grants AISP or PISP scopes to a licensed third-party provider, and the access token is then included on each request. Through Jentic, tokens are stored encrypted in your Jentic One instance.

### Can I initiate a payment with the La Banque Postale PSD2 API?

Yes. POST `/v2/payment-requests` creates the payment request, and POST `/v2/payment-requests/{id}/confirmation` finalises it after the user completes Strong Customer Authentication. GET `/v2/payment-requests/{id}` reads the current status.

### How do I read account balances through Jentic?

Search Jentic for 'retrieve La Banque Postale balances'. Jentic returns GET `/v2/balances` with its schema. Provide the account context resolved from `/v2/accounts` and Jentic executes the call using the stored OAuth access token.

### Do I need a PSD2 licence to use the La Banque Postale PSD2 API?

Yes. AISP endpoints require an AISP licence and PISP endpoints require a PISP licence (or registered agent status). The bank validates the third-party provider's eIDAS QWAC certificate during the OAuth flow.

### What rate limits apply to the La Banque Postale PSD2 API?

PSD2 introduces minimum service-quality requirements rather than fixed rate limits. Refer to developer.labanquepostale.com for the current operational limits and aggregator-specific ceilings before scaling agent traffic.

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

Yes. Because Jentic One is self-hosted, you set the rules that decide which operations and credentials your agent may use. La Banque Postale gates access by PSD2 OAuth scope, so you can grant only the AISP read operations such as GET `/v2/accounts`, GET `/v2/balances`, and GET `/v2/transactions` and leave out the PISP payment operations. If you never add POST `/v2/payment-requests` or POST `/v2/payment-requests/{id}/confirmation`, the agent cannot initiate or confirm a payment.