Frequently Asked Questions
How do I get API access?
Get your free trial here. For more information: Contact us!
How do I get the banking products for my customer?
The banking products are available via the BANKS/Connect Customer API. The end user must add a Bank Access before.
If the data retrieval is successful, the data is ready for retrieval via the API.
What are credentials?
Credentials are defined as the customer's access data for their online banking. The credentials usually consist of a user ID/login name and a password/PIN. The concrete specification is different per provider and can be queried via the BANKS/Connect Providers API.
What's a TAN?
A TAN (transaction number) is a random code that can only be used once. In the BANKS/Connect Customer API the TAN is needed for the transfer process.
After the transfer data has been transmitted to the provider, the TAN or the instruction for TAN generation (e.g. chip card reader) is then sent directly from the provider to the customer. The TAN must then be queried by the customer and forwarded to BANKS/Connect Customer API to confirm the order.
Is there a test account or a demo account?
Yes, there is a Demo Provider, a fictitious bank with fictitious but not unrealistic banking products. This test access demonstrates the possibilities our API offers you. There is no connection to the real world. For further information please refer to the Demo Provider page or our Quickstart Guide.
What is BANKS/Connect?
BANKS/Connect is an interface through which a large number of providers can obtain their customers':
- accounts including account details, account transactions, and transfers
- custody accounts including total custody account holdings, valued individual custody account holdings, and custody account risk
- credit cards including credit card details and credit card transactions
How often are bank accesses synchronized in the background?
BANKSapi automatically synchronizes bank accesses in the background based on an activity-based schedule. The sync frequency depends on how recently the end user has accessed their banking data through the API — the more active the usage, the more frequently the data is refreshed, up to 4 times per day (the regulatory limit for non-user-induced refreshes) down to once per month for inactive accesses.
Background synchronizations are distributed evenly across working hours (07:00–21:00 CET) and working days to ensure a balanced load. The exact timing within each day is randomized to avoid peak concentrations.
Where and how is the data stored?
Depending on the selected range of services, we store the data for you permanently or only for a few minutes, but in any case in the high-security data center of noris network or your own.