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finAPI
What finAPI is
finAPI is cloud-based financial software for organizations that collect, analyze, and use financial data in financial services or online applications. Its product areas include open banking, data intelligence, KYC, and online payments. The Banking API retrieves account information through PSD2 XS2A, FinTS/HBCI, web scraping, or financial service provider APIs, depending on availability. Supported data covers balances and transactions for checking, savings, credit-card, securities, loan, building-society, cooperative-share, and PayPal accounts. Data Intelligence provides transaction categorization, cash-flow and risk analysis, and contract detection. Digital Account Check and KreditCheck combine account analyses for credit decisions through backend integration or a zero-integration widget. The Payment API supports SEPA, collective, standing, scheduled, and instant transfers, plus direct debits. finAPI offers API and web access, real-time refresh, PDF statements, German hosting, and a 30-day test system. Prices start at €60/mo, with a 30-day trial and no free plan.
Who it suits
finAPI is aimed at banks, financial companies, fintechs, and businesses building data-driven financial services. It suits teams needing banking connectivity, analysis, credit checks, or payment APIs.
What it does well
- Real-time account-data refresh
- Multiple banking connection methods
- Credit-check integrations and widget
- Broad payment API coverage
- 30-day trial
What to know first
- No free plan
- Starts at €60/mo
- Private registry authentication is not relevant
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Access B2X — basic licence, up to 200 users | Monthly flat rate · Up to 200 users · private and business accounts | €100 a month |
| Access B2C — basic licence, up to 200 users | Monthly flat rate · Up to 200 users · private accounts | €60 a month |
| Data Intelligence PG A — basic licence to 200 calls | Monthly flat rate · Up to 200 calls · Income, Spending, Balance, Recurring Transactions and Cross-Country Reports | €80 a month |
| finAPI Demobank Lite | Monthly flat rate · Demobank Lite | €99 a month |
As finapi.io lists them, read 8 Oct 2026. The maker's own page has the final word.
Verdict
finAPI brings account connectivity, financial analysis, credit checks, and payment operations into API and web products. Its paid model and broad integration options fit organizations building financial applications.
Facts from finAPI's own pages
- Bank connectivity
- The Banking API retrieves account data using PSD2 XS2A, FinTS, web scraping or financial service provider APIs, depending on availability. · finapi.io, 8 Oct 2026
- Credit checks
- The Digital Account Check and KreditCheck combine account analyses for credit decisions and can be used through backend integration or a zero-integration widget. · finapi.io, 8 Oct 2026
- Data intelligence
- Data Intelligence supports transaction categorization, cash-flow and risk analysis, and contract detection. · finapi.io, 8 Oct 2026
- Founded
- 2008 · finapi.io, 28 Sept 2026
- Headquarters
- Munich, Germany · finapi.io, 28 Sept 2026
- Hosting
- The company says it uses servers located in Germany. · finapi.io, 8 Oct 2026
- Integrations
- The Banking API includes connections through XS2A, FinTS/HBCI, web scraping and financial service provider APIs; its Access packages also list PayPal API connections. · finapi.io, 8 Oct 2026
- Intended customers
- finAPI describes its customers as banks, financial service companies, fintechs and companies from other sectors. · finapi.io, 8 Oct 2026
- Payments
- The Payment API supports SEPA transfers, collective transfers, standing orders, scheduled transfers, instant payments, direct debits and collective direct debits. · finapi.io, 8 Oct 2026
- Product areas
- Its product areas include open banking, data intelligence, KYC and online payments. · finapi.io, 8 Oct 2026
- Regulatory status
- The company says its account information and payment initiation services are licensed and approved by Germany’s BaFin. · finapi.io, 8 Oct 2026
- Security and certification
- TÜViT certified finAPI with its Trusted Site Privacy certificate for processes related to account information and payment initiation services. · finapi.io, 8 Oct 2026
- Support
- The pricing page says standard support and shared hosting are included with the SaaS licence; premium support, project support, consulting and dedicated hosting are available on request. · finapi.io, 8 Oct 2026
- Trial
- finAPI offers free access to its test system for 30 days. · finapi.io, 8 Oct 2026
- What it does
- finAPI provides cloud-based financial software to aggregate and analyze financial data for businesses and create financial services and online applications. · finapi.io, 8 Oct 2026
Where finAPI stands on Freedom251
- Bank Connectivity Software#16 of 71