# finAPI — AI Compare Ninja

> BaFin-licensed open banking service for account-data access, categorization and credit checks via a PSD2 interface.

## Overview
- **Category:** Business & Finance (Compliance, planning & accounting)
- **Status:** Active · checked - Active.
- **Paid from:** 60 € / 300 € / Month (up to 200 users / up to 1,000 users) (Open Banking B2C Access - Basis)
- **Free access:** Free trial
- **Website:** https://www.finapi.io
- **Canonical URL:** https://www.aicompare.ninja/en/tool/finapi

## What it does
- BaFin-licensed open banking service
- Account-data access via PSD2 interface
- Categorization and cash-flow/risk reports
- Check official pricing and licence conditions separately
- Tiered user pricing per the official euro price list

## In brief
finAPI is a BaFin-licensed open-banking service for account-data access, categorisation and credit checks via a PSD2 interface.

The official price list publishes tiered licence and usage-based prices. Access requirements and possible PSD2 licence charges are listed separately there.


## Limits
Access requires a PSD2 licence except for use of own accounts; non-licensed customers can incur additional PSD2 licence charges.

## Pricing tiers
| Tier | Price | Period | What you get |
| --- | --- | --- | --- |
| Open Banking B2C Access - Basis | 60 € / 300 € | Month (up to 200 users / up to 1,000 users) | Access to account data via a PSD2 interface; Tiered user prices from €0.30 down to €0.15 above 1,000 users |
| Reports & Analyses - Price group A | 40 € / 200 € | Month (up to 200 / up to 1,000 users) | One query per day per user included |
| Demobank Standard | 249 € | Month | Test system for developers to simulate bank connections |

## Sources
All details regarding plans, limits, and features are based on official vendor documentation and the primary sources verified below.

- https://www.finapi.io/en/prices/
- https://www.finapi.io/en/
- https://www.finapi.io/en/developer/
- https://www.finapi.io/preise/

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*Source: AI Compare Ninja (2026) - https://www.aicompare.ninja/en/tool/finapi*