Enable Banking
Enable Banking provides a PSD2-compliant API for account information and payment initiation across more than 2,700 banks in 30 European countries.
What Enable Banking is
Enable Banking provides a PSD2-compliant API for account information and payment initiation across more than 2,700 banks in 30 European countries. Founded in 2019 and headquartered in Espoo, Finland, it supports business and personal accounts, with business access varying by bank. The API returns account information, balances, transactions and payment details in real time. Organisations use it for invoicing, automated bookkeeping, credit assessment, loyalty programmes, onboarding and payments. Payment features include bulk SEPA and domestic payments, scheduled standing orders and country-specific methods such as Swedish BankGiro. Licensed companies can delegate integration and maintenance through TPP Infrastructure as a Service, with dedicated single-tenant environments and eIDAS certificate handling. Documentation includes a sandbox, API reference, widgets, control-panel guidance and code samples. Enable Banking says it uses official PSD2 APIs, is ISO/IEC 27001:2022 certified and does not monetise customer data. It is offered through web, API and self-hosted access; pricing is on request and volume-based.
Good
- Coverage across 2,700 European banks
- Real-time account and payment data
- PSD2-compliant official APIs
- Sandbox and developer documentation
- Single-tenant TPP infrastructure option
Watch out
- Pricing is provided on request
- Business-account access varies by bank
- Live payments require a suitable licence
- Background fetching may be limited by banks
Who it suits
It suits financial institutions, ERP providers, loyalty programmes and other organisations needing European bank connectivity. Live payment initiation requires an appropriate PISP or equivalent licence.
Verdict
Enable Banking offers broad European account connectivity and payment initiation through standardized PSD2 APIs. Licensing, bank-specific access and usage limits should be reviewed during implementation planning.
Plans and prices
From Enable Banking's own pricing page, checked 9 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Volume-based API pricing | Priced on request | Per connected account per month · Per successfully initiated payment · Minimum monthly invoice · Monthly; pricing depends on connected bank accounts and successfully initiated payments; minimum monthly invoicing applies. |
The facts
Each one read from Enable Banking's own pages, with the date it was checked.
What it does
- Business use
- The API supports both business and consumer accounts, though access to business accounts varies by bank.checked 9 Oct 2026
- Compliance
- Enable Banking states that it is ISO/IEC 27001 certified and provides PSD2-compliant access without screen scraping or reverse engineering.checked 9 Oct 2026
- Coverage
- Enable Banking says its API connects to more than 2,700 banks across 30 European countries.checked 9 Oct 2026
- Customers
- The company says it serves organisations including financial institutions, ERP providers, and loyalty programs.checked 9 Oct 2026
- Data access
- The API supports business and personal accounts and provides real-time account information and payment initiation.checked 9 Oct 2026
- 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.checked 9 Oct 2026
- Data format
- Enable Banking harmonises bank data into a standard format but says it does not add its own enrichment or categorisation layer.checked 9 Oct 2026
- 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.checked 9 Oct 2026
- Developer resources
- The documentation includes a quick start, API reference, sandbox guidance, UI widgets, a control panel guide, FAQs, market specifics, and code samples.checked 9 Oct 2026
- Developer tools
- The developer documentation includes a sandbox, API reference, UI widgets, Control Panel guidance, and code samples.checked 9 Oct 2026
- Fees
- For its TPP infrastructure, fees are incurred for successfully initiated payments and accessible accounts; the page does not state prices.checked 9 Oct 2026
- 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.checked 9 Oct 2026
- Integrations
- Enable Banking provides integrations with bank APIs, with a published list of available integrations in its documentation.checked 9 Oct 2026
- Payments
- Live payment initiation requires the customer to hold a PISP licence or another licence that allows payment initiation.checked 9 Oct 2026
- Payment support
- The service supports bulk SEPA and domestic payments, standing orders with custom execution schedules, and country-specific methods such as Swedish BankGiro.checked 9 Oct 2026
- Product
- Enable Banking provides one PSD2-compliant API for account information and payment initiation across more than 2,700 banks in 30 European countries.checked 9 Oct 2026
- Regulatory status
- Enable Banking Oy identifies itself as a registered Account Information Service Provider regulated by the Finnish Financial Supervisory Authority.checked 9 Oct 2026
- Security
- Enable Banking says its information security management system is certified to ISO/IEC 27001:2022.checked 9 Oct 2026
- Security and privacy
- The company says it uses official PSD2 APIs and does not sell or monetise customers’ data.checked 9 Oct 2026
- Support
- Enable Banking says its open banking specialists support customers from integration through ongoing operations.checked 9 Oct 2026
- TPP infrastructure
- Licensed companies can delegate PSD2 API integration, development, and maintenance to Enable Banking through its TPP Infrastructure as a Service.checked 9 Oct 2026
- Use cases
- The company describes use cases including invoicing, automated bookkeeping, credit risk assessment, loyalty programs, onboarding, and payments.checked 9 Oct 2026
The company
- Founded
- 2019checked 28 Sep 2026
- Headquarters
- Espoo, Finlandchecked 28 Sep 2026
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