Welcome to finAPI XS2A Server!


finAPI XS2A Server web-icon finAPI offers XS2A Server to the banks to allow licensed TPPs to access payment accounts via the API Interface following the Berlin Group Standard.

This documentation covers the API specification for the XS2A interface

More information about the APIs and the sandbox data is available in the TPP-Developer Guide. The sandbox and production URLs are published by the banks.

If you need any help with the API, contact xs2a-support@finapi.io.

Welcome to finAPI Access!


finAPI Access web-icon Access REST Services lie at the core of finAPI’s Open Banking ecosystem. The Access API enables you to receive and analyze bank account information, and execute payments. The services are divided into the following sections:

We use cutting edge technology for constantly enhancing our services, from data analysis pipelines to an event driven system, which is built in scalable modules, that you also may use in a proprietary environment. If you are interested in this kind of usage, please feel free to contact us for an offer.
Additional information about our API can be found here: Access public documentation

If you need any further help with the API, contact support@finapi.io.

Welcome to finAPI Access!


finAPI Access web-icon NOTE: This is a deprecated version of the API!

Access REST Services lie at the core of finAPI’s Open Banking ecosystem. The Access API enables you to receive and analyze bank account information, and execute payments. The services are divided into the following sections:

We use cutting edge technology for constantly enhancing our services, from data analysis pipelines to an event driven system, which is built in scalable modules, that you also may use in a proprietary environment. If you are interested in this kind of usage, please feel free to contact us for an offer.
Additional information about our API can be found here: Access public documentation

If you need any further help with the API, contact support@finapi.io.

Welcome to finAPI Payment!


finAPI Payment web-icon Enable your users to pay directly from their bank account with easy-to-integrate services. With our broad bank reach, you can streamline your payment flow, taking advantage of the minimal number of the strong customer authentication required by the user (usually only one for XS2A). No bank account import necessary!

NOTE: finAPI Payment is not a separate API, but a sub-section of the finAPI Access API. Please refer to finAPI Access, sections Payments/Standing Orders.

Additional information about Payments can be found here: Payment public documentation

If you need any help with the API, contact support@finapi.io.

Welcome to finAPI GiroIdent!


finAPI GiroIdent web-icon GiroIdent is a XS2A-based KYC solution which enables online identification of end customers with a high degree of security. By relying on the user simply providing access to their bank accounts, GiroIdent makes identity verification quick and user-friendly.

To meet the varying degrees of KYC strictness businesses must adhere to, we currently offer three types of identity checks:
  • GiroIdent Basis: Verifies the identity of the end user (Name) by using finAPI access to bank account capabilities
  • GiroIdent Plus: Verifies the identity of the end user (Name, Address, DOB) by using finAPI access to bank account capabilities and Schufa data
  • GiroIdent GWG (§ 14 GwG): Verifies the proven identity of the end user (Name, Address, DOB, Bank account) by using finAPI access to bank account capabilities and Schufa data
  • GiroIdent GwG Total (§ 12 GwG), i.e. SCHUFA MyConnect: FinAPI offers the complete KYC flow according to § 12 GwG in partnership with SCHUFA. The end-to-end customer flow ensures full AML compliance, including a Qualified Electronic Signature as per the legal requirements. finAPI Verifies the proven identity of the end-user (Name, Address, DOB, Bank account) by using finAPI access to bank account capabilities and Schufa data. Additionally, it allows the end-user to perform a “reference bank transfer” as requested by the § 12 GwG. For more information on the SCHUFA MyConnect flow, please reach out to us via support@finapi.io.
Additional information about our API can be found here: GiroIdent public documentation.

Welcome to finAPI Data Intelligence!


finAPI Data Intelligence web-icon With finAPI Data Intelligence REST services we want to provide a deeper insight in the picture that describes the financial situation of a customer. Although we already provide services suitable for an individualized personal finance management experience of an end user with our Access PFM product, with Data Intelligence we complete this picture for B2B customers with the need of a deep insight in the financial situation of their users.

To achieve this we structured our Data Intelligence services accordingly:
  • Under the Risk Reports section you can find reports related to transactions which might be connected to a payment risk, if you provide goods with a payment plan to this customer. We detect these transactions and bundle them under one report, which your application can consume within seconds.

  • To have a deeper understanding of the cash flow of your users, we provide the whole Cash Flow Reports section. Here you can find a variety of income and expenditure related labels, in which we aggregate and summarize the according transactions belonging to a specific field, like insurances, income or rent and living.

To provide data in the highest possible quality, DI normalises all data flows received via various data sources. The services can be furthermore easily integrated together with finAPI Access.

Various business needs are covered by using a combination of an expert system, driven by clear defined rules and also machine learning approaches for, on the one hand refining the expert system and on the other hand providing a label coverage near to 100% for all transactions. Furthermore, we use cutting edge technology for constantly enhancing our services, from data analysis pipelines to an event driven system, which is build in scalable modules, that you also may use in a proprietary environment. If you are interested in this kind of usage, please feel free to contact us for an offer.

Just analyze data first? Authenticate yourself with your client credentials and create a new user in secure finAPI system. Log into your bank account you would like to analyze or use one of our test accounts. Import data and start various analyses. You can see the analysis result in JSON format.

Please find further information about implementation and usage of this API here: Data Intelligence public documentation

If you need any help with the API, contact support@finapi.io.

Welcome to finAPI Schufa Services!

schufa logo

The finAPI Schufa API is designed to support a Schufa Mobile Application by providing access to Schufa end-user functionality, as available on the meineSchufa Portal. Currently, it is connected to the meineSchufa Grow Portal via a set of web scrapers.


Welcome to Schufa FraudPool!

The Schufa FraudPool API is designed to support the Schufa FraudPool application.

schufa logo

Welcome to finAPI Web Form 2.0!


finAPI Web Form web-icon finAPI's Web Form 2.0 is a complementary product to finAPI Access. It is our product offering for Compliance-as-a-Service.

As a customer, if you do not have a PSD2 license or if you are interested in using finAPI's license to manage end user credentials for bank communication, we welcome you to explore the endpoints in this section further.
All POST endpoints will generate a unique URL. This URL can be provided to the end customer. He/she can render a web form with it. finAPI will then orchestrate the next steps between the end user and bank to complete the request.

Additional information about our API can be found here: Web Form 2.0 Public Documentation

If you need any help with the API, contact support@finapi.io.

Welcome to the finAPI System Administration!


finAPI Admin web-icon The System Administration API lets you administer the mandators/clients that exist in the finAPI system.

Use the BASIC AUTH button in the navigation to log in with your Sys-Admin credentials. Please use the ‘Change password’ service regularly to keep your credentials secure.

Note that all requests to this API are being logged, and can be linked to your person.

If you need any help with the API, contact support@finapi.io.

Welcome to finAPI Process Controller!


This service can be used to create process IDs. Behind a process ID is a user, which is managed by the system and returns an access token by retrieving the ID.

A process token can be attached to a link in emails or printed as a QR code, which includes the link.

User management in the Processmanager is largely automated. A user is created when a process token is created. This is automatically deleted after a configurable period of time for the mandator if it is not used.
Alternatively, the deletion of the user can be initiated directly by calling the invalidate or complete endpoint. In this case, a defined period of time also applies until the user is finally deleted, in order to be able to terminate other asynchronous internal system processes.


Please find further information about implementation and usage of this API here: Data Intelligence public documentation

Welcome to finAPI Solutions!


This service provides APIs for finAPI's product solutions IdentCheck, GiroCheck and KreditCheck (B2C/B2B).


Please find further information about implementation and usage of this API here: Data Intelligence public documentation

Welcome to finAPI Data Intelligence Keyword Labelling!


finAPI Data Intelligence web-icon

This service use takes (bank-)transactions as an input. Based on the analysis of transaction parameters like for example

  • purpose
  • amount
  • the counterpart's name, IBAN, BIC, creditor ID and/or mandate reference
  • transaction type, SWIFT, ZKA and SEPA code
it assigns
  • (keyword-)label(s)
  • contractual identifiers
to the transaction.

The assigned labels allow to group transactions, respectively filter them for a specific use case. The labels cover the areas cash flow, risks and contracts. Labels vary in level of detail; example: transaction assigned with the label CAR_INSURANCE will be a subset of those labelled with the more generic INSURANCE.

Please find further information about implementation and usage of this API here: Data Intelligence public documentation


Welcome to SCHUFA REST API!


schufa logo

This service provides an easy-to-use REST API, wrapping the access to the SCHUFA-web-services SOAP API(s).

The service allows the usage of the SCHUFA Credit Check API (for example to obtain the SCHUFA A-Auskunft, B-Auskunft, ...), the SCHUFA Identity Check, and the SCHUFA Bank Account Check plus IBAN. Additionally, it is possible to execute a name-similarity evaluation using an advanced algorithm from SCHUFA.

To use this service, SCHUFA credentials are required

finAPI provides and supports the REST API connectivity (technical support), whereas the product support is provided directly by the SCHUFA. This includes

  • Providing the credentials ("Kennziffer").
  • Configuration of the enabled SCHUFA products for the provided credentials.
  • Documentation of the request parameters (example: featureCode/Merkmalcode for the SCHUFA Credit Check).
  • Documentation of the content of the returned response (example: featureCode/Merkmalcode for the SCHUFA Credit Check)

Please contact support@finapi.io for further details.