Open Banking API
🏦 Getting Started with Business Open Bank API
Our Fintech API transforms how you connect with financial institutions. Built for modern businesses, our platform provides secure, reliable access to banking services across multiple financial institutions.
With just a few API calls, you can retrieve comprehensive account information and initiate seamless payments on behalf of your users.
🔗 Base URLs
Environment | Domain |
|---|---|
Production |
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Development (sandbox accounts only) |
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💡 Account Information Flow
💡 Payment Initiation flow
💡 Bulk Payment Initiation flow
💡 Bill Payment Initiation flow
💡 Bulk Bill Payment Initiation flow
🏦 Supported Features per Bank
Bank | Get Accounts | Get Account | Get Transactions | Payments | Bulk Payments | Bill Payments | Bulk Bill Payments |
|---|---|---|---|---|---|---|---|
AlphaBank | ✅ | ✅ | ✅ | ✅ | ✅ | ❌ | ❌ |
Eurobank | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
NBG | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
PB | ✅ | ✅ | ✅ | ✅ | ❌ | ✅ | ❌ |
🧑💻 Sandbox Accounts
Bank | Username | Password | OTP |
|---|---|---|---|
NBG | cfe@softone.gr | geo0va4r89! | SMS to Konstantinos Giannakopoulos |
Eurobank | userNameA | passA | 111111 |
Alphabank | gpapadopoulos | GPapadopoulos01 | 111111 |
Alphabank corporate | 6ae | AEtaireia02 | 111111 |
Piraeus | usera | 123 | 111111 |
🚫 Restrictions
Bank | Restriction |
|---|---|
Alphabank | Bulk payments available only to Alphabank accounts creditors |
Alphabank | Bulk payments available only to corporate accounts |
Alphabank | MerchantCustomerIdentification can't have empty spaces inside the string, so we use 'nomci' as the default value.". |
Alphabank | DebtorPhone must be a string consisting of digits only (no letters or special characters). |
Alphabank | No refresh token; access token valid for 6 months in production |
Alphabank | Accept greek characters only for domestic internal payments. Note that Alpha Bank requires Latin characters not only for non-domestic payments, but also for payments to other domestic banks. |
Alphabank | AlphaBank does not provide Bill Payment features. |
Alphabank | AlphaBank does not provide a logout endpoint. The user is automatically disconnected when the access token expires, which occurs after 6 months. |
Alphabank | AlphaBank does not provide the available balance at transaction's response. |
Alphabank | AlphaBank bulk payments support a maximum of 30 transactions. |
Eurobank | Όλες οι πληρωμές πρέπει να είναι στο ίδιο product δηλαδή όλες SEPA ή όλες CROSS BORDER |
Eurobank | Το creditor name (επωνυμία προμηθευτή σε περίπτωση πληρωμής στο Soft1) δεν πρέπει να ξεπερνάει τους 70 χαρακτήρες |
Eurobank | Το ConsentId είναι μοναδικό ανά χρήστη και συνεδρία. Αν κάποιος άλλος χρήστης πραγματοποιήσει login στην τράπεζα χρησιμοποιώντας τα ίδια credentials (username, password), το προηγούμενο ConsentId καθίσταται άκυρο και απαιτείται η λήψη νέου |
Eurobank | Οι μεταχρονολογημένες συναλλαγές δεν είναι διαθέσιμες σε international payments. |
Eurobank | When you put wrong AccountId at GetAccount or GetTransactions endpoint you get "generic error". |
Eurobank | Corporate consent does not have a sandbox environment. |
Eurobank | Once a user grants Corporate consent, it remains valid forever. |
Eurobank | Max Date range for transactionsList is 180 days. |
Eurobank | Data in sandbox are mock, so consentId header for account information feature works with random values, you don't need to give consent in Token endpoint. |
Eurobank | Data in sandbox are mock, so you can't find your payments in transaction list or use date range that you want. |
Eurobank | Data in sandbox are mock, you can test refreshToken endpoint but you can't use refreshToken for requests, only token. |
Eurobank | Eurobank bulk payments support a maximum of 30 transactions. |
NBG | We don't have sandbox for bill payments and bulk bill payments, only production. |
NBG | Bulk Payments are supported only for SEPA payments. |
NBG | We can't have Greek characters at debtor's and creditor's field: "Name" Bulk paymnets endpoint. |
PB | Payments up to €100 are exempt from OTP |
PB | We don't have standing-orders for PB |
PB | AccountId in sandbox it's different for the same iban every time that the user takes a new accesstToken. |
PB | We don't have logout, bulk Payments and Bulk bill payments |
PB | Bulk Payments are supported only for SEPA payments. |
PB | If the payment is an internal bank payment(from account that belongs to the person to another account that belongs at the same person) in transaction list description is a number. |
PB | Accept greek characters only for domestic internal payments. Note that Piraeus Bank requires Latin characters not only for non-domestic payments, but also for payments to other domestic banks. |
PB | We don't have sandbox for bill payments, only production. |
📞 Support & Contact
If you need help or have feedback, feel free to reach out to us.
Contact us: Fintech Team