Spruce

Spruce's direct API availability may be limited. However, you can often access Spruce accounts through Open Banking aggregators like Plaid, Tink, or TrueLayer, which provide standardized connectivity to thousands of banks including Spruce.

The easiest way to integrate with Spruce is through an Open Banking aggregator. These services provide pre-built connections to Spruce and handle authentication, data normalization, and compliance requirements on your behalf.

PSD2 compliance depends on Spruce's operating jurisdiction. European banks must comply with PSD2, while banks in other regions follow their local Open Banking regulations. Check the compliance section above for specific certifications.

Through Open Banking APIs, you can typically access account balances, transaction history, account holder information, and in some cases initiate payments. The specific data available depends on Spruce's API capabilities and the permissions granted by the account holder. All data access requires explicit customer consent.