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by isbvhodnvemrwvn 1435 days ago
The aggregators are third parties I mentioned. You can't easily obtain a license to use those APIs yourself, even if only to access your own data.

The apps which don't have a deal with these aggregators request you to provide credentials (now fortunately most of them are defunct due to MFA)
2 comments
wdb 1435 days ago
Understandably because you are dealing with a heavily regulated industry but I do agree it would be nice to be able to use the APIs for your own data somehow.

Aggregators to require you to provide credentials are just web-scraping the websites or have reverse engineered the banks (internal) APIs.

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hectormalot 1435 days ago
For some APIs you can get the access yourself. For example, here is the API for account and transaction information at ABN AMRO (3rd largest bank in the Netherlands): https://developer.abnamro.com/api-products/business-account-...

I'll concede that it's only for business accounts. But, that includes small single owner businesses and I've been considering to switch to ABN to automate the accounting of my small side business.

The PSD2 APIs (also for consumers) indeed need a PSD2 license and an EIDAS certificate.

Technically, for consumer data, I think you could use GDPR to request a computer-readable extract of your transaction data. However, I think most banks would then redirect you to some CSV/MT940 export option in the web interface that is hard to automate.

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