Nordigen Account Information Services API

Name: Nordigen Account Information Services API
Brand: Nordigen Account Information Services API
Availability: InStock

★ Only Publicly Available OpenAPI DocumentFinanceBankingbearer28 EndpointsREST

For Agents

Aggregate European bank accounts, balances, and transactions across 2,000-plus institutions through Nordigen's PSD2 API on behalf of consented end users.

Install Jentic One Beta

Connect the Nordigen Account Information Services API to your agent

Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the Nordigen Account Information Services API, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.

Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.

Step 1: Jentic One Host machine

# On the machine that will host your Jentic One instance:
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh

Step 2: Agent machine

# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh
jentic register       # connects your agent to your Jentic One instance

Jentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.

Capabilities

What an agent can do with Nordigen Account Information Services API.

List supported banking institutions across European countries

Create end-user agreements that scope which data the customer consents to share

Generate requisitions that drive the consent redirect flow

GET STARTED

Start building with Nordigen Account Information Services API

Explore with Jentic

View OpenAPI Document

Jentic publishes the only available OpenAPI specification for Nordigen Account Information Services API, keeping it validated and agent-ready. Nordigen, now operated as GoCardless Bank Account Data, provides PSD2-compliant Account Information Services across more than 2,000 European banks via a single API. The API exposes institutions, end-user agreements, requisitions for consent, accounts with balances, transactions, and account details, plus premium transaction endpoints and a payments preview. Fintechs, lenders, and personal finance apps use it to aggregate account data across the EU and UK without negotiating per-bank integrations.

Use Cases

Patterns agents use Nordigen Account Information Services API for, with concrete tasks.

★ Pan-European account aggregation

Lenders and PFM apps that need consistent account data across the EU use Nordigen to avoid integrating each national bank individually. /api/v2/institutions/ returns the supported banks per country, /agreements/enduser/ creates the consent envelope, and /requisitions/ drives the redirect. Once linked, /accounts/{id}/transactions returns ISO 20022-style transactions whose schema matches across banks.

List institutions for country DE, then create an end-user agreement and requisition that lets the user link their Deutsche Bank account

Lending underwriting from bank data

Lenders running affordability checks pull 90-180 days of bank transactions through Nordigen to verify income and recurring expenses without requesting paper statements. /api/v2/accounts/{id}/transactions/ and the /accounts/premium/{id}/transactions/ premium endpoint return the categorisable history that an underwriting model needs to score affordability.

Pull /api/v2/accounts/{id}/transactions/ for the last 90 days and tag salary credits and rent debits for affordability scoring

Subscription dunning recovery

B2B SaaS dunning workflows can confirm that a customer's bank account has actually received expected income before retrying a failed direct debit. With consented bank data via Nordigen, the system can detect that payroll just landed and reschedule the retry for the next morning rather than burning bank fees on doomed retries.

Check /accounts/{id}/balances and /accounts/{id}/transactions for a salary credit before scheduling a direct debit retry

AI agent for personal finance

An AI personal finance assistant covering EU users can use Jentic to discover the Nordigen requisition flow and account endpoints, then return categorised spending across accounts. The agent searches Jentic for 'list bank transactions', loads the account transactions schema, and executes — no per-bank wiring.

Through Jentic, search 'list bank transactions', load /api/v2/accounts/{id}/transactions/, and execute with the user's linked account ID

Key Endpoints

28 endpoints — jentic publishes the only available openapi specification for nordigen account information services api, keeping it validated and agent-ready.

METHOD

PATH

DESCRIPTION

GET

/api/v2/institutions/

List supported European banks

POST

/api/v2/agreements/enduser/

Create an end-user consent agreement

POST

/api/v2/requisitions/

Create a requisition that drives the consent redirect

GET

/api/v2/accounts/{id}/

Read account metadata for a linked account

GET

/api/v2/accounts/{id}/balances/

Read balances on a linked account

GET

/api/v2/accounts/{id}/transactions/

List transactions on a linked account

GET

/api/v2/accounts/premium/{id}/transactions/

Premium extended transaction history

GET

/api/v2/institutions/

List supported European banks

POST

/api/v2/agreements/enduser/

Create an end-user consent agreement

POST

/api/v2/requisitions/

Create a requisition that drives the consent redirect

GET

/api/v2/accounts/{id}/

Read account metadata for a linked account

GET

/api/v2/accounts/{id}/balances/

Read balances on a linked account

Why Jentic?

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

Credential isolation

Nordigen secret_id, secret_key, and JWT access tokens are stored encrypted in the Jentic vault. The runtime refreshes JWTs automatically; agents never see the raw secrets.

Intent-based discovery

Agents search Jentic by intent (e.g. 'list bank transactions') and Jentic returns the matching Nordigen operation with its input schema, so the agent calls /accounts/{id}/transactions/ without reading PSD2 docs.

Time to first call

Direct Nordigen integration: 3-5 days for TPP onboarding, agreement and requisition handling, and JWT refresh logic. Through Jentic: under a day — search, load schema, execute.

FAQs

Specific to using Nordigen Account Information Services API through Jentic.

Why is there no official OpenAPI spec for Nordigen Account Information Services API?

Nordigen does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call Nordigen Account Information Services API 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 Nordigen API use?

Nordigen uses HTTP bearer authentication with JWTs. You exchange a secret_id and secret_key for an access token that you pass in the Authorization header. Through Jentic, the JWT is held in the encrypted vault and refreshed automatically by the runtime.

Can I list European banks supported by Nordigen?

Yes. GET /api/v2/institutions/ returns institutions filtered by country code; GET /api/v2/institutions/{id}/ returns details for a single institution including supported countries and logo. Use the country filter to scope the bank list shown in your linking UI.

What are the rate limits for the Nordigen API?

Under PSD2, Nordigen permits up to four unattended polls per linked account per day plus unlimited calls when the user is present. The free tier covers reasonable production volume; cache /accounts/{id}/transactions/ responses for 6 hours to stay within the daily budget.

How do I link a user's bank account through Nordigen via Jentic?

Install with pip install jentic, then search 'create a Nordigen requisition', load POST /api/v2/requisitions/, and execute with the institution_id and a redirect URL. Send the user to the returned link; once they complete consent, /api/v2/accounts/{id}/ returns the linked accounts.

Does the Nordigen API include premium transaction data?

Yes. /api/v2/accounts/premium/{id}/transactions/ returns extended history beyond the PSD2-mandated 90 days, where the underlying bank exposes it. Premium endpoints are gated by Nordigen plan; check your contract before relying on them.

Can I initiate payments through Nordigen?

The spec exposes /api/v2/payments/ read endpoints for payment status. Payment initiation is offered as a separate Nordigen product line; if you need PIS, contact Nordigen to enable PIS endpoints on your account beyond what this AIS spec covers.

Nordigen Account Information Services API

Connect the Nordigen Account Information Services API to your agent

Capabilities

Start building with Nordigen Account Information Services API

Use Cases

Key Endpoints

Why Jentic?

Related APIs

FAQs