Which is not very open, it just means it's open to other companies. If I want my own data there is no api for me.
replyThere is bunq, which offers a full API for regular users, including a web hook call in case of new transactions. Made me actually switch to them. Super nice so far.
replyExactly, it's an utterly ludicrous state of affairs that I'd have to give access to a third party to my freaking bank details. And this is treated as some kind of success?
replyOne of my agents has (read only) access to my accounts. I do it via Era, which is quite good, though expensive (they try to justify this with other functionality, but they provide nothing my agent can't do itself other than the API access).
replyTo provide me with API access to my own accounts, Era goes through another third party provider which again connects to my bank. I guess they could eventually get direct connections themselves.
So instead of me get convenient read-only access to my bank, I've ended up giving two separate third party providers credentials I'd prefer they didn't have.
All I'd need was an automated way to get a CSV or JSON dump of my transactions and I'd have been happy, but none of my banks support that without manually logging in. It's infuriating.
Open banking isn’t mandatory. Psd2 and successors are. But it does not require the banks to expose feature parity APIs so others can replicate their apps.
replyAFAICT, psd2 should be sufficient to do the most elemental of banking features. See transactions and initiate them.
But that is quite limited.