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.
URL: Visit APIs.json
Run: Capabilities Using Naftiko
- Open Banking, PSD2, AISP, PISP, Banking, Financial Services, Account Aggregation, Payment Initiation, Europe, Nordic, Finland, Compliance, eIDAS, SCA, DORA, GDPR
- Created: 2026-05-25
- Modified: 2026-05-25
| Attribute | Value |
|---|---|
| HQ | Espoo, Finland |
| Regulator | Finnish Financial Supervisory Authority (FIN-FSA) |
| Licence | PSD2 AISP (passported across the EEA) |
| ASPSP coverage | 2,700+ banks across 30 EEA countries |
| Volume | 25M+ API requests / month |
| Production base URL | https://api.enablebanking.com |
| Sandbox / legacy URL | https://api.tilisy.com (deprecated) |
| Auth | Application JWT (RS256, eIDAS certificate, 24h max TTL) + PSU SCA at ASPSP |
| OpenAPI | 3.1.0, published at enablebanking.com/docs/api/reference/enablebanking-api.yaml |
| Tier | Tier-1 (real OpenAPI, full SDK samples, public docs, real CLI) |
The single harmonized PSD2 API for AIS and PIS across 2,700+ European ASPSPs. Four endpoint groups: User sessions, Accounts data, Payments, and Misc.
Human URL: https://enablebanking.com/docs/api/reference/
Base URL: https://api.enablebanking.com
- Documentation — Reference
- Documentation — Getting Started
- OpenAPI (local)
- OpenAPI (upstream)
- JSON Schema — Account
- JSON Schema — Transaction
- JSON Schema — Payment
- JSON Structure — Account
- JSON-LD Context
- Spectral Rules
- Vocabulary
- Naftiko Capability — User Sessions
- Naftiko Capability — Accounts Data
- Naftiko Capability — Payments
- Naftiko Capability — ASPSPs and Application
- Naftiko Capability — Open Banking Workflow
- Example — Start Authorization
- Example — Get Account Transactions
- Example — Create Payment
| Tag | Path(s) | Purpose |
|---|---|---|
| User sessions | POST /auth, POST /sessions, GET/DELETE /sessions/{session_id} |
Begin PSU authorization, exchange code for session, manage consent. |
| Accounts data | GET /accounts/{account_id}/details, /balances, /transactions, /transactions/{transaction_id} |
AIS — account details, balances, transactions (up to 12 months). |
| Payments | POST /payments, GET/DELETE /payments/{payment_id}, GET /payments/{payment_id}/transactions/{transaction_id} |
PIS — initiate, status, cancel, settled-transaction lookup. |
| Misc | GET /aspsps, GET /application |
ASPSP directory and application metadata. |
| Resource | Type | Repo |
|---|---|---|
enablebanking-api-samples |
Multi-language code samples (C#, Go, JS, PHP, Python, Ruby, Postman) | GitHub |
enablebanking-cli |
Command-line client for the API and Control Panel | GitHub |
open_banking_eidas_broker |
Microservice for eIDAS-signed mTLS requests to ASPSPs | GitHub |
psd2-oidc-mock |
Mock OIDC provider for ASPSP authentication testing | GitHub |
mock-auth-ui |
Mock ASPSP consent UI for local development | GitHub |
- Plans / Pricing — Sandbox is free; Production and TPP-IaaS are contract-priced.
- Rate Limits — Application JWT 24h max TTL; AIS EBA RTS 4×/day non-PSU-present; 180-day consent validity; PSU-present 5-minute window.
- FinOps — FOCUS 1.0 mapping with allocation by ASPSP country, endpoint tag, and PSU type.
- PSD2 AISP licensed under FIN-FSA, passported across the EEA.
- GDPR compliant.
- DORA (Digital Operational Resilience Act) compliant.
- Active PSD3 / FIDA readiness roadmap.
- eIDAS certificate enrollment via Enable Banking Control Panel; supports QWAC/QSEAL where required by ASPSPs.
- Kin Lane — Founder, API Evangelist — apievangelist.com