Demo Provider

BANKSapi provides a Demo Provider (mock bank) that you can use for testing and development purposes. The Demo Provider simulates a real bank and can be selected via the provider search.

The provider ID of the Demo Provider is 00000000-0000-0000-0000-000000000000.

Important

The credentials listed below are not BANKSapi technical users (as created via the Create User call). They are login credentials for the mock bank itself, similar to the online banking credentials a real end user would enter when connecting their bank account.

Selecting the Demo Provider

When adding a bank access, search for "Demo" in the provider search to find and select the Demo Provider:

Test Credentials

The following test credentials can be used to log in to the Demo Provider:

Username	Password	Description
demo	demo	Standard test access
test_sca_method	test_sca_method	Test access for SCA method flows. Every refresh requires a new SCA, making it useful for testing the consent renewal flow.
test_failing_payment	test_failing_payment	Test access that simulates a failing payment

Additional Information

The Demo Provider supports a + notation on usernames for additional testing scenarios:

• Unique bank accesses: Bank accesses with identical credentials are shared across users, which means all users benefit from synchronized account data. Since the Demo Provider uses the same fixed credentials for everyone, this can cause issues with concurrent synchronizations or unexpected refresh behavior. Append + followed by an arbitrary string to create a unique bank access when needed. For example, demo+alice and demo+bob both behave like demo but are treated as separate bank accesses.
• Simulating slow responses: Append +wait=<seconds> to simulate a slow bank connection. For example, demo+wait=30 will add a 30-second delay to the bank access.

Both modifiers can be combined: demo+mytest+wait=30.