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EU Neobank API Access

Last updated 2026-04-24

Which EU neobanks let you read your own transactions programmatically — and at what cost?

TL;DR

BankFree Direct APICatch
bunq✅ Yes (Pro plan required)€9.99/mo Pro, API key auth
Revolut Business✅ Yes (Grow plan required)€25/mo Grow, OAuth2
Revolut Personal❌ NoNo public API — PSD2 TPP only
Revolut Pro❌ NoFreelancer tier, no API access
BBVA / CaixaBank / Santander / ING⚠️ Sandbox free, prod = TPP certPSD2 TPP license = expensive + regulated
Vivid❌ Not via Enable BankingUses finAPI as PSD2 hub

Direct APIs

bunq

  • Full REST API at doc.bunq.com
  • Auth: API key (generated in app → Security → API keys)
  • Requires bunq Pro (€9.99/mo) or higher — Core (free) plan excludes API access
  • Covers: balances, transactions, payments, cards, user details
  • Rate limit: 3 req/s

Revolut Business

  • API at developer.revolut.com
  • Auth: OAuth2 with your own Business account
  • Requires Grow plan (~€25/mo) or above
  • Covers: accounts, transactions, payments, counterparties
  • Free plan and Freelancer/Pro tiers: no API access

Revolut Personal

No public API exists for personal accounts. The only programmatic access is via PSD2 (requires a regulated TPP license — expensive and not practical for personal automation).

PSD2 Aggregators (e.g. Enable Banking)

Services like Enable Banking, Salt Edge, and Nordigen act as TPP intermediaries — they hold the PSD2 license and expose a unified API across hundreds of banks.

When aggregators beat direct APIs:

  • You need access to banks without developer APIs (Spanish banks, traditional lenders)
  • You hold multiple accounts across different banks and want one API
  • You don't qualify for or want a bank's business plan tier

When direct APIs beat aggregators:

  • You already pay for the required bank plan (Grow / Pro)
  • You want fewer moving parts and lower latency
  • The aggregator fee exceeds the plan upgrade cost

Spanish Banks (BBVA, CaixaBank, Santander, ING)

All are PSD2-compliant and technically offer open banking APIs. However:

  • Sandbox: free, good for testing
  • Production: requires a PSD2 TPP license (regulated financial license, months to obtain, ongoing compliance cost)

For personal/business automation on your own accounts, an aggregator like Enable Banking is the practical route — the TPP license cost far exceeds the aggregator fee.

Monese

  • No public API (business or personal)
  • Business onboarding currently paused (as of early 2026)
  • Incoming SEPA transfers: free; outgoing EUR SEPA: free; card top-up: €3k/day limit
  • Stronger than bunq for: simpler onboarding (no EU residency requirement in some countries)
  • Weaker than bunq for: currency coverage (GBP/EUR/RON only vs bunq's 22 currencies), no API, e-money institution only (not full banking license)