Regulation makes banks open account data and payments to licensed third parties. Premium APIs are what banks sell on top: commercial, contract-based APIs that connect a company's ERP or treasury system straight to the bank for payments, real-time balances, virtual accounts, account validation, FX and embedded banking.
Open banking vs premium banking APIs →
OP Financial Group🇫🇮 FinlandOP-YrityssiirtoOP Corporate Account Data APIOP Corporate Payment APIOP Corporate Account Verification API+5 more9 APIsPortal ↗
Deutsche Bank🇩🇪 GermanyCB Connect: Credit TransferDB Corporate API: Request to PayAccount Pre-Validation APIInstant Payments (Commercial)+4 more8 APIsPortal ↗- First Citizens Bank🇺🇸 United StatesAccount BalanceAccount TransferACH TransfersInstant Payments+4 more8 APIsPortal ↗
Standard Chartered🇬🇧 United KingdomAccountsMove MoneyGuaranteed FXVirtual Accounts+4 more8 APIsPortal ↗
Danske Bank🇩🇰 DenmarkAccount Transaction & Balance APIPayment Initiation APIPayment Collection APIVerification of Payee API+2 more6 APIsPortal ↗
Fifth Third Bank🇺🇸 United StatesNewline AccountsNewline TransfersNewline Instant PaymentsNewline Virtual Reference Numbers+2 more6 APIsPortal ↗
Goldman Sachs🇺🇸 United StatesTxB PaymentsTxB Virtual AccountsTxB Multi-Currency AccountsTxB Reporting+2 more6 APIsPortal ↗
Bank of America🇺🇸 United StatesCashPro PaymentsCashPro Request for PaymentCashPro Account ValidationCashPro Account Information and Reporting+1 more5 APIsPortal ↗
Huntington Bank🇺🇸 United StatesInformation ReportingPayment OriginationInternal TransfersCheck Images+1 more5 APIsPortal ↗
Intesa Sanpaolo🇮🇹 ItalyAPI Account BalanceAPI Transaction ListAPI SCTAPI SCT Inst+1 more5 APIsPortal ↗
J.P. Morgan🇬🇧 United KingdomBusiness Direct ConnectGlobal PaymentsEmbedded PaymentsOnline Payments+1 more5 APIsPortal ↗
Raiffeisen Bank🇦🇹 AustriaAccount Statement APIPayment Initiation API (Cash Management)Payment Status APIBank Account Information API+1 more5 APIsPortal ↗
Citizens Bank🇺🇸 United StatesInformation ReportingPaymentsAccount TransferAccount Validation4 APIsPortal ↗- Handelsbanken🇸🇪 SwedenPremium Account APIPremium FX API Market OrderPremium FX API Indicative RatesPremium FX API Trade Retriever4 APIsPortal ↗
Commerzbank🇩🇪 GermanyCorporate Payments APISEPA Instant Payment NotificationSWIFT GPI Tracker API3 APIsPortal ↗
Missing a bank or API? Premium APIs are flagged in the open Open Banking Tracker data repo; pull requests welcome.
Premium vs open banking APIs
| Open banking APIs | Premium APIs | |
|---|---|---|
| Who can use them | Licensed third parties (AISPs, PISPs, data recipients), with the customer's consent | The bank's own business and corporate clients, and partners it contracts with |
| Who pays | Mandated by regulation (PSD2, UK Open Banking, Section 1033); mostly free | Priced like any banking product: subscriptions, per-call or per-transaction fees |
| Typical use cases | Account aggregation, pay by bank, credit decisioning | Treasury payments from an ERP, intraday reporting, virtual accounts, account validation, FX, embedded banking |
Frequently asked questions
What is a premium banking API?
A premium banking API is a commercial API that a bank offers to business and corporate clients under a contract, usually for a fee. It goes beyond the access regulation requires (PSD2 in Europe, Open Banking in the UK, Section 1033 and FDX in the US), covering things like treasury payments, intraday reporting, virtual accounts, account validation, FX and embedded banking.
How are premium APIs different from open banking APIs?
Open banking APIs let licensed third parties access customer accounts with the customer's consent, and banks must offer them, mostly for free. Premium APIs are sold by the bank to its own business clients and partners, connect directly to their ERP or treasury systems, and are priced and contracted like any other banking product.
Which banks offer the most premium APIs?
In our data, Citi (12), U.S. Bank (12), Wells Fargo (12), BNY (11), ABN Amro (10) list the most premium API products.
How do I get access to a bank's premium APIs?
You typically need a business or corporate account with the bank, a signed API or cash management agreement, and onboarding with the bank's API team. Most banks offer a public sandbox first; production access follows the commercial agreement.
Looking for every bank API, not just premium?
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