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Re:Show HN: Wealthfolio: A Private, Open-Source Investment T... by fmbb on Friday September 06, 2024 @03:35PM (#41469059)
Is it illegal for banks to provide private customers personal API access?
Re:Show HN: Wealthfolio: A Private, Open-Source Investment T... by franga2000 on Friday September 06, 2024 @03:57PM (#41469244)
Not that I know of, but I've never seen one that does. And it's not like API access for company accounts is common - what the EU regulation requires, which is the only thing most babks support now, is that anyone can access their own accounts through a licensed account information provider.

Under the "open banking" scheme, not even massive companies can get API access to their own accounts. It only requires banks to give service providers access that allows their customers to essentially OAuth login into those services with their bank accounts. There is no "I just want my own account" API, only the general one.

And becoming a licensed provider is insanely hard because it's assumed you'll be actively managing millions of euros for tens of thousands of customers, when in reality, all you want is read-only access to one or a few affiliated accounts.

Re:Show HN: Wealthfolio: A Private, Open-Source Investment T... by mesk on Friday September 06, 2024 @04:33PM (#41469512)
I use one that has public API, fio.cz in Czechia. There are surely others...
Re:Show HN: Wealthfolio: A Private, Open-Source Investment T... by earnesti on Friday September 06, 2024 @03:56PM (#41469232)
I don't think it is illegal at all. Banks just don't want to offer such features.