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?

Individual & business

Our Bank product gives you rich data access at your fingertips! Retrieve all user current accounts using superior balance & identification data.

Europe-wide coverage: 1,800 financial institutions, 12 European countries, and beyond.
Single API: Reinforced by end-to-end tests with real bank accounts guaranteeing the best conversion rate.
Current accounts: Historical, coming, available.
Transactions: Operation date, amount, currency, label, and transaction type, plus deferred debit transactions.

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The best conversion rate in the market.

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

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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