Enable Banking
enablebanking.com
Spec sheet
- Product
- Enable Banking provides a PSD2 API for account information and payment initiation across European banks.Read 9 Oct 2026 · enablebanking.com
- Integrations
- Enable Banking provides integrations with bank APIs, with a published list of available integrations in its documentation.Read 9 Oct 2026 · enablebanking.com
- Security
- Enable Banking says its information security management system is certified to ISO/IEC 27001:2022.Read 9 Oct 2026 · enablebanking.com
- Compliance
- Enable Banking states that it is ISO/IEC 27001 certified and provides PSD2-compliant access without screen scraping or reverse engineering.Read 9 Oct 2026 · enablebanking.com
- Support
- The company says open banking specialists support customers from initial setup through optimisation.Read 9 Oct 2026 · enablebanking.com
- Headquarters
- Espoo, FinlandRead 28 Sep 2026 · enablebanking.com
- Founded
- 2019Read 28 Sep 2026 · enablebanking.com
- Business use
- The API supports both business and consumer accounts, though access to business accounts varies by bank.Read 9 Oct 2026 · enablebanking.com
- Coverage
- Enable Banking says its API connects to more than 2,700 banks across 30 European countries.Read 9 Oct 2026 · enablebanking.com
- Customers
- The company says it serves organisations including financial institutions, ERP providers, and loyalty programs.Read 9 Oct 2026 · enablebanking.com
- Data access
- The API supports business and personal accounts and provides real-time account information and payment initiation.Read 9 Oct 2026 · enablebanking.com
- Data access limits
- Fetching data is not charged per API call, but background access frequency may be limited by banks, often to four fetches per day when the user is absent.Read 9 Oct 2026 · enablebanking.com
- Data format
- Enable Banking harmonises bank data into a standard format but says it does not add its own enrichment or categorisation layer.Read 9 Oct 2026 · enablebanking.com
- Data handling
- The company says it does not monetise customer data, and its FAQ says it does not store, cache, or process account data beyond delivering it to the authorised application.Read 9 Oct 2026 · enablebanking.com
- Developer resources
- The documentation includes a quick start, API reference, sandbox guidance, UI widgets, a control panel guide, FAQs, market specifics, and code samples.Read 9 Oct 2026 · enablebanking.com
- Developer tools
- The developer documentation includes a sandbox, API reference, UI widgets, Control Panel guidance, and code samples.Read 9 Oct 2026 · enablebanking.com
- Fees
- For its TPP infrastructure, fees are incurred for successfully initiated payments and accessible accounts; the page does not state prices.Read 9 Oct 2026 · enablebanking.com
- Infrastructure
- The TPP service offers a dedicated single-tenant environment and eIDAS certificate handling through Cloud HSM in AWS or GCP, or its open-source eIDAS broker.Read 9 Oct 2026 · enablebanking.com
- Payment support
- The service supports bulk SEPA and domestic payments, standing orders with custom execution schedules, and country-specific methods such as Swedish BankGiro.Read 9 Oct 2026 · enablebanking.com
- Payments
- Live payment initiation requires the customer to hold a PISP licence or another licence that allows payment initiation.Read 9 Oct 2026 · enablebanking.com
- Regulatory status
- Enable Banking Oy identifies itself as a registered Account Information Service Provider regulated by the Finnish Financial Supervisory Authority.Read 9 Oct 2026 · enablebanking.com
- Security and privacy
- The company says it uses official PSD2 APIs and does not sell or monetise customers’ data.Read 9 Oct 2026 · enablebanking.com
- TPP infrastructure
- Licensed companies can delegate PSD2 API integration, development, and maintenance to Enable Banking through its TPP Infrastructure as a Service.Read 9 Oct 2026 · enablebanking.com
- Use cases
- The company describes use cases including invoicing, automated bookkeeping, credit risk assessment, loyalty programs, onboarding, and payments.Read 9 Oct 2026 · enablebanking.com
- Who it is for
- The company describes serving financial institutions, ERP providers, and loyalty programs.Read 9 Oct 2026 · enablebanking.com
Plans and prices
Volume-based API pricing Priced on request Monthly; pricing depends on connected bank accounts and successfully initiated payments; minimum monthly invoicing applies. Per connected account per month · Per successfully initiated payment · Minimum monthly invoice Read 9 Oct 2026 · enablebanking.com
Where Specifiction places it
- Bank Connectivity Software#8 of 718.1
- Financial Data APIs#8 of 288.1
