Bank Reader API
Under Construction / Private Beta 🚀
The Bank Reader API is currently in active private beta. Full interactive endpoint reference and API schemas will be published here soon.
To gain direct API sandbox access or request integration credentials, please contact our team at support@infonite.tech.
The Bank Reader API is a next-generation financial data aggregation and categorization engine. It enables secure, user-consent-driven access to retrieve, normalize, and analyze real-time financial records across Spanish and European banking institutions.
Data Extraction Capabilities
Our engine is built to retrieve and structure the complete financial footprint of a customer, providing deep coverage across multiple asset classes:
Extract detailed account profiles, real-time balances, currency variations, and comprehensive historical statement movements.
Access credit, debit, and prepaid card details, including credit limits, outstanding balances, and individual card transaction logs.
Retrieve active personal loans, mortgage structures, remaining balances, interest rates, and amortization schedules.
Query time deposits, savings accounts, accumulated interest rates, maturities, and specific user savings goals.
Retrieve a consolidated view of investment accounts, active stock portfolios, mutual funds, and pension plans.
Extract active SEPA direct debit mandates, recurring billing contracts, creditor details, and download official PDF receipt attachments.
Financial Global Position
Instead of parsing separate endpoints, the Bank Reader API consolidates the entire extraction footprint into a single, unified JSON response: the Financial Global Position.
This schema merges the customer’s identity and banking profiles with all retrieved accounts, cards, deposits, investments, and active loans. This unified structure is designed to feed risk underwriting engines, automated accounting platforms, and credit scoring systems instantly.
Planned Integration Flow
Once the API is fully launched, developers can expect a standard integration workflow:
1. Create Session
Initialize a secure session specifying configuration settings, authentication parameters, and an optional encryption aes_key.
2. Secure User Widget Login
Redirect the customer to the widgets portal where they authorize access and complete Strong Customer Authentication (SCA) with their bank.