Bank - Powens

Bank

Top-performing Open Banking platform

Access to the most extensive coverage and highest quality API on the European market.

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API depth and quality

Through one API, Powens connects to more than 1,800 institutions in 12+ European countries and beyond. We conduct end-to-end tests with real bank accounts across 80% of our connectors to guarantee the best conversion rate.

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User-friendly admin dashboard

Monitor your business through the Powens Console, an advanced management dashboard for configuring your domains, client applications, webhooks, and connectors. Monitor connection status, and analyze Open Banking use.

Best-in-class UI for bank connections

Your users give their consent through our Webview, an optimized consent management & bank connectivity interface. We observe data-sharing acceptance rates up to 80%.

What’s in Bank?

For consumers and businesses

Our Bank product gives you rich data access at your fingertips. Retrieve individual and business bank accounts using superior balance & identification data and attachment documents to improve bank reconciliation and customer insights.

Europe-wide coverage
1,800 financial institutions, 12 European countries, and beyond.
Current accounts
Historical, coming, available.
Transactions
Operation date, amount, currency, label, and transaction type, plus deferred debit transactions.
PSP Connectivity (optional)
PSP detailed transactions.
Transaction attachment (optional)
Transaction attachments and metadata for B2B Neobanks and PSP (when available).
Bank Statements (optional)
Bank B2C statements of main banks.

Payout Solutions

Benefit from the market’s leading conversion rate, access to an optimized Webview for consent management, App to App pathways for enhanced conversion, and Webauth integration.

Powens’ Webview
Optimized consent management user interface.
App to App pathways for optimal conversion rate.
Webauth integration.

How users connect their accounts to your apps

We ensure all user accounts are easy to connect and always available.

Webview link URL

https://walleto.biapi.pro/2.0/auth/webview/fr/connect/security?s=eyJjbGllb

Webview link URL

https://walleto.biapi.pro/2.0/auth/webview/fr/connect/security?s=eyJjbGllb

Webview link URL

https://walleto.biapi.pro/2.0/auth/webview/fr/connect/security?s=eyJjbGllb

Webview link URL

https://walleto.biapi.pro/2.0/auth/webview/fr/connect/security?s=eyJjbGllb

Accounts
{
    "accounts": [
        {
            "id": 53185,
            "type": "checking",
            "name": "Current EUR",
            "balance": 1424.97,
            "last_update": "2022-07-28 11:55:41",
            "iban": "EX6713000000000300290004576",
            "bic": "CDTBFRBIXXX",
            "disabled": null,
            "currency": {
                "id": "EUR",
                "name": "Euro",
                "symbol": "€",
                "...": "..."
            },
          {
            "id": 53895,
            "type": "checking",
            "name": "Current USD",
            "balance": 1424.97,
            "last_update": "2022-07-28 11:55:41",
            "iban": "EX6713000000000300290007643",
            "bic": "CDTBFRBIXXX",
            "disabled": null,
            "currency": {
                "id": "USD",
                "name": "USD",
                "symbol": "€",
                "...": "..."
            },
            "id_connection": 50748,
            "id_user": 51595,
            "...": "..."
        },
       
        ...
    ]
}


Balances
{
    "balances": [
        {
            "min_date": "2022-08-01",
            "max_date": "2022-08-31",
            "transactions": [],
            "currencies": [
                {
                    "symbol": "€",
                    "id": "EUR",
                    "balance": 3657.20,
                    "expenses": -30.32,
                    "incomes": 0,
                    "remains": -30.32
                },
                {
                    "symbol": "$",
                    "id": "USD",
                    "balance": 1755.17,
                    "expenses": -16.41,
                    "incomes": 0,
                    "remains": -16.41
                }
            ],
            "expenses": -46.73,
            "incomes": 0,
            "remains": -46.73,
            "balance": 5551.91,
            "converted": true
        }
    ],
    "first_date": "2022-01-15",
    "last_date": "2022-08-02",
    "result_min_date": "2022-08-01",
    "result_max_date": "2022-08-31",
    "total": 4
}


Transactions
{
    "transactions": [
        {
            "id": 610780355,
            "application_date": "2022-07-28",
            "date": "2022-07-28",
            "value": 23.50,
            "original_wording": "CB DEBIT DIFFERE MACDONALD'S PARIS",
            "wording": "MACDONALD'S PARIS",
            "coming": false,
            "last_update": "2022-07-18 13:08:51",
            "id_account": 53181,
            "id_category": 59,
            "...": "..."
        },
        {
            "id": 610780353,
            "application_date": "2022-07-27",
            "date": "2022-07-18",
            "value": 189.90,
            "original_wording": "CB DEBIT IMMEDIAT APPLE INC",
            "wording": "APPLE INC",
            "coming": false,
            "last_update": "2022-07-19 02:15:32",
            "id_account": 53185,
            "id_category": 39,
            "...": "...",
        },
        ...
    ],
    "first_date": "2022-05-04",
    "last_date": "2022-07-18"
}

We take your users by the hand by building trust and making sure they consent with confidence.

Users quickly find their bank: we highlight popular ones and provide a blazing-fast search experience.

App-to-app, web redirection, embedded: our API makes it easy to fine-tune the perfect authentication flow for each use case.

Users can select only the bank accounts they wish to share, making our consent flow fully GDPR-compliant.

After the user is validated through the bank’s mobile app or SMS code, transactions and balances are instantly retrieved and the user is redirected to your app or website.

"The quality of Powens' technology and the ease of integration enables us to collect our customers' banking data much faster. We can now offer split payment options in less than one minute and achieve the highest acceptance rates on the market."

Louis Chatriot

CEO - Alma