open-banking-io

Topics in the source

• open-banking.io
• When to use
• Tool surface
• Quick start
• PSD2 quirks worth knowing

Self-serve PSD2 bank-data API for EU/UK accounts: accounts, balances and transactions behind a single API key — no eIDAS QWAC/QSealC certificates required. Part of the open-banking.io service (skills repository, MIT). "What's my balance on ?" "Summarise last month's transactions" / "How much did I spend on groceries?" "Which of my bank connections need re-consent?" Reconciling invoices/payments against bank statement lines Prefer the official MCP server (read-only tools: listaccounts, getbalances, gettransactions, listconnections): open-banking-io/mcp-server Direct REST works too: GET /accounts, GET /accounts/{id}/balances, GET /accounts/{id}/transactions. Consents expire (90 days by default; some banks cap at 90 days, some 120+) — plan re-consent reminders. Transactions come back as interimBooked (pending) and booked — pending rows flip to booked with the SAME transaction id; treat it as an update, not a new row. Unattended fetch rates are capped per bank (4 pulls/day typical) — budget polling accordingly.