The Yapily platform is live in Spain!

Open Banking is transforming financial services, and Yapily is on a mission to provide the greatest coverage in Europe. So we’re pleased to announce that our API is now available for fintechs and businesses to access consumer accounts in Spain, providing seamless and secure access to financial data. This enables companies to expand their offering to Spanish customers, while leveraging the opportunities of Open Banking to create new and innovative products.

Spain was a natural progression for Yapily, due to the Spanish fintech ecosystem growing tremendously over the last 12 months. With more than 400 fintechs, Spain is home to many innovative companies such as Coverfy, fintonic and Bnext. There is a clear appetite for innovation and we want to be able to support the needs of these ideas and products.

Similarly to the UK and Netherlands, Spain is also launching its own fintech sandbox environment to create financial innovation and attract international competitiveness and investment. This furthers the commitment to supporting the new wave of financial products and services that Open Banking will support.

Many of the big banks in Spain use a third party API provider for their PSD2 AIS and PIS coverage. We have integrated with this API provider as a whole, giving access to PSD2 API endpoints for 48 of the biggest banks in Spain, including BBVA, Santander, Caixa and Sabadell. This combination of integrations allows us to provide access to over 80% of consumer bank accounts.

The Spanish banks we have integrated with, all use a pre-authorisation element in their authorisation flow, which is a brand new requirement to the other banks we have implemented across the UK and Europe. To simplify this for our customers we have normalised the journey by putting the new authorisation requirements into two clear steps, and rolling it up into a new pre-authorisation feature, attributed to all institutions requiring this pre-authorisation step. This will allow fintechs and businesses to access both payment initiation and account aggregation services in a secure and streamlined way, in the Spanish consumer account market.

There are many more exciting updates to come, we’re currently working on extending our integration coverage in France.


Open Finance is transforming financial services and spreading across further financial products and services. We explore some of the immediate use cases where open finance could make a difference right now.
Financial services

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19th June 2020

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3 examples of what Open Finance can do right now
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28th February 2020

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PSD2: What you need to know about Screen Scraping and APIs

A PSD2 deadline is fast-approaching - and while it’s focused on making payments more safe and secure throughout Europe - it has raised questions on data access and the impact it has on consumers and businesses.

Here we explain the background and different approaches to data access.

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18th December 2019

13 min read

What is Open Banking?

You’ve heard about it. You might’ve even used it. But do you know what open banking really is, the products and services it powers, and how it works? And did you know that it actually refers to two separate things?

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