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
demo1	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 usernames: Append + followed by an arbitrary string to make a username unique. This avoids conflicts when multiple users try to add the same Demo Provider credentials concurrently, as BANKSapi does not allow adding the same bank access at the same time. For example, demo1+alice and demo1+bob both behave like demo1 but are treated as separate bank accesses.
• Simulating slow responses: Append +wait=<seconds> to simulate a slow bank connection. For example, demo1+wait=30 will add a 30-second delay to the bank access.

Both modifiers can be combined: demo1+mytest+wait=30.