About BankSnipe
BankSnipe brings transparency to European banking APIs. It rates how mature each bank’s API programme is, so you can see at a glance how far along a bank actually is, and what you can build on today, before you commit.
How the maturity rating works
Banks are at very different stages with their APIs: some expose only the bare regulatory minimum, others run rich developer platforms. BankSnipe distils that into a single 1–5 maturity rating so progress is easy to compare across banks and countries.
The score reflects how much of the API surface a bank actually offers, across four headline products:
- AIS: Account Information. Read account balances and transactions.
- PIS: Payment Initiation. Initiate payments from an account.
- CBPII: Confirmation of Funds. Check whether funds are available.
- Premium / beyond-PSD2. Value-added APIs offered above and beyond the regulatory baseline, often the clearest sign of a maturing API programme.
The first three are the regulated PSD2 access types; the fourth is where banks differentiate. The more a bank offers, the higher its level, from Nascent to Mature. Supporting details such as sandbox, developer portal, documentation and authentication appear on each bank’s page as context but don’t change the score. When the computed score doesn’t reflect real-world experience, an entry can carry an editorial override (marked ★).