Our API is now available for local fintechs and businesses in Germany, providing seamless and secure access to financial data. This enables companies to expand their offering to German customers, while leveraging the opportunities of open banking to create new and innovative products.
The Berlin Group is a robust framework, with a bespoke API integration for each and every bank.
Germany’s fintech scene is one of the biggest in Europe, housing fast growth challenger brands such as N26 and Billie. This speaks to a tech savvy and financially engaged population and it’s no wonder that consumers are making good use of Open Banking propositions that integrate with the top banks.
We’ve seen huge demand for German banking integrations, with a keen focus on the biggest banks such as Deutsche Bank, Commerzbank, Sparkassen, Landesbanks, ING, and even N26.
What did we do?
Banks in Germany, and across Europe, use the NextGenPSD2 Berlin Group API standard. This is a robust framework, which is flexible around Authorisation Flow, and makes a bespoke API integration for each and every bank. Unlike in the UK, some banks also require different consents to access endpoints. To enable a seamless consent journey for our customers, we split out the payloads accordingly so that a list of accounts and transactions are returned separately, despite using the same endpoint.
As a result, we have a full breadth of brands and regional coverage across Germany, totalling 80% coverage on consumer accounts.
- Deutsche Bank, Germany’s biggest consumer banking brand, including Postbank and Norisbank.
- Both Unicredit brands in Germany HypoVereinsbank (HVB Online Banking) and UC eBanking Global giving us access to both personal and business account coverage.
- ING, the well-known brand covering over 15 countries.
- Sparkassen group - integrating with the Sparkassen API provider, we gained access to over 400 Sparkassen banks and Landesbanken in Germany.
- N26 - native challenger bank and covering all countries in the EEA.
In Germany, we’re focusing our efforts on banks with different SCA requirements.
Our next market integration is Spain, with Santander, BBVA, Banco Sabadell and many more on our top priority list.