Timeline for Are programmers in the USA still able to automate fetching their bank transactions, like was possible in the 1980s and 1990s?
Current License: CC BY-SA 4.0
5 events
| when toggle format | what | by | license | comment | |
|---|---|---|---|---|---|
| Jan 28, 2022 at 21:29 | comment | added | Alex R | PSD2 is only open for registered fintechs; every EU country has a registry of fintechs which have to be accepted by all the banks. You log in to the bank and give consent to the fintech's (AISP = Account Information Service Provider) access to your account data, and the fintech will get an OAuth2 Access Token that gives access for a number of days (30 or 90) until a new login is required. So you would have to find a registered PSD2 AISP that offers a REST API or that offers the bookkeeping you need directly. See e.g. creditmutuel.fr/oauth2/en/devportal/sca-workflows.html | |
| Jan 27, 2022 at 11:43 | comment | added | why.n0t | At least in germany the Banks I tried have a free tier or are free after some kind of registration. An access token is needed but only some kind of API calls may cost money. Furthermore you have a separtion of just looking at the account and transactions and starting a transaction, which always needs a 2nd authentification. | |
| Jan 27, 2022 at 9:49 | comment | added | Claude | It seems that Sweden has PSD2 too. As far as I know, this system is not for hobbyists (i.e. you need a license before being admitted to it; probably a good thing, you don't want just ant Joe to make apps that control your banking). Having said that, some (especially newer, online-only) banks have APIs; E.g. take a look at this post by the Bunq bank. | |
| S Jan 27, 2022 at 9:37 | review | First answers | |||
| Jan 27, 2022 at 10:32 | |||||
| S Jan 27, 2022 at 9:37 | history | answered | why.n0t | CC BY-SA 4.0 |