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open-banking-io

Read bank account balances and transactions from EU/UK banks via the open-banking.io PSD2 API.

30.5k|3.5k|Updated Jul 4, 2025
Search Tags:#api#reconciliation#psd2#open banking#bank transactions#account balances#eu banks
One-click install
npx skills add https://github.com/davila7/claude-code-templates --skill open-banking-io
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: open-banking-io
Source: https://github.com/davila7/claude-code-templates/tree/main/cli-tool/components/skills/open-banking-io/open-banking-io
Command: npx skills add https://github.com/davila7/claude-code-templates --skill open-banking-io

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

Accessing EU/UK bank account data normally requires eIDAS certificates and an AISP licence under PSD2. This Skill lets you read balances, transactions, and connection status from European bank accounts through a single API key, without managing certificates or regulatory licensing.

Core Features & Use Cases

  • Balance and Transaction Reading: Query accounts, balances, and transactions across 600+ EU/UK banks via REST endpoints or the official MCP server.
  • Spending Analysis and Reconciliation: Summarise spending by category, reconcile invoices against bank statement lines, and track pending versus booked transactions.
  • Consent Management: Monitor which bank connections need re-consent, since PSD2 consents typically expire after about 90 days.
  • Use Case: Ask how much you spent on groceries last month, and the Skill fetches transactions from your connected banks and categorises the spending for you.

Quick Start

Sign up at open-banking.io to get an API key, connect a bank through the consent flow, then ask the assistant to list your accounts and recent transactions.

Frequently Asked Questions about open-banking-io

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I read bank transactions from EU banks with an API?▼

Use the open-banking.io PSD2 API by signing up for an API key, connecting a bank through the consent flow, then calling GET /accounts and GET /accounts/{id}/transactions with your bearer token. It covers 600+ EU/UK institutions.

Do I need an AISP licence or eIDAS certificates to access PSD2 bank data?▼

No. open-banking.io handles the regulatory layer, so you only need a single API key. There is no requirement for eIDAS QWAC/QSealC certificates or your own AISP licence.

Is there an MCP server for open banking account data?▼

Yes, the official open-banking-io/mcp-server provides read-only tools: list_accounts, get_balances, get_transactions, and list_connections. Direct REST calls to the same endpoints also work.

Why do pending bank transactions appear twice in PSD2 data?▼

Transactions arrive as interimBooked (pending) and later flip to booked with the same transaction id. Treat this as an update to the existing row, not a new transaction, to avoid double counting.

What are the limitations of PSD2 bank data APIs?▼

Consents expire after roughly 90 days and require re-consent, and unattended fetches are capped at about 4 pulls per day per bank. Plan re-consent reminders and budget polling accordingly.

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