Rapidly Integrate
User Account Information into
Your Software Application

Grow your business’ capabilities with a secure and reliable API to integrate your customers’ account data into your software.

A Powerful Connection






Switch off distractions. Let us take care of your PSD2 and AML compliancy through our license-as-a-service model.

Unrivaled User Experience





Experience harmonized and simplified workflows, supporting embedded and open authentication redirection, and bespoke flows.


Comply with PSD2 Regulations





Ponto is a regulated PSD2 AIS account information provider. All user authentication and integrations are protected with bank-grade security.


Free Testing Environment






Use our free sandbox to test code without affecting the production environment.

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Representative Responsiveness


Allow bank account owners to authorize a representative to access their data and transact on their behalf.



Multiple Mandate Management


Open bank account connections to multiple third parties without facing bank authorization issues.

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Always Up to Date


Receive webhooks notifications when we retrieve new transactions.

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End-user Dashboard


Provide users with control over their financial data and representatives. Let them determine which applications access their accounts.

99,999 % uptime








In 2022, the Open Banking service was only down for five minutes!



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“By partnering with Ponto, we provide automatic bank data information. Ponto offers a good interface, clear pricing and an excellent service.”




Wietse Klijn,

CEO, myfinance

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“Using Ponto’s Open Banking API is simple and quick, and backed up by excellent documentation from a knowledgeable team.”




Edwin Vlieg,

CEO, Moneybird




”Ponto was our first choice, primarily for their wide European bank coverage.”




Thibault Tang

Developer, Axonaut


Or simply get started with our sandbox. Why?


It is free.



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Test your software with confidence using the same API calls as the live environment, making for an easy product launch.



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You can customize some test data.



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The sandbox simulates a realistic authorization flow with the bank.



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You don’t have to undergo an approval process to test payments and representatives.

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Open Banking

Supercharge your business’ capabilities. Schedule a call with our team to learn how to integrate European bank data and payments in your application – or create an account to test our free sandbox


Schedule a call →