99.5% Bank Coverage    More than 5000 Banks    100 Mio. Bank Accounts

One-Stop-Shop: Transactiondata, Categorization and Data Analytics

Banking API & Data Analysis


Banking API & Data Analysis

One-Stop-Shop: Transactiondata,
Categorization and Data Analytics

99.5% Bank Coverage
More than 5000 Banks
100 Mio. Bank Accounts


Access to Account

One API fits all relevant Banks


Self-learning algorithm guarantees highest reliability

Data Enrichment through risk characteristics

Identificiation of characteristics to reduce fraud and credit risk

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White-Label direct transfer

Offer direct transfer in your own look and feel


Accourate Banking API

Banking API

The Open Banking Plattform and our Banking API enables applications to connect with users’ bank accounts. You will not only receive account information but also balances, transaction data and much more detailed information. Implementation can be done via REST or Javascript implementation.

Kategorisierung mit accourate

Data Enrichment and Categorization

As part of the game the Analytics Platform categorizes the revenue and expenditure stream of your consumer´s transaction data. As a result accourate enables you to process realtime decisions in your own systems. Our categorization model is enhanced permanently by our own internal team and by the usage of modern machine learning approaches as well.

Cashflow Analyse mit accourate

Analysis of Transaction Data and History

As soon as transaction data has been gathered and enriched the Analytics Platform analyzes the given turnover data. In this step the Analytics Platform focuses on a quick view of the financial picture and wellness of the consumer’s financial situation. Therefore The Analytics Platforms outcome is not only about cashflow analysis, but also on chargebacks, seizure information and budget surplus as well as much more.

Haushaltsrechnung mit accourate

Digital Account Check

Use our service to gain access to digital consumer data captured in the consumer’s online banking account to build a budgeting overview and therefore decide on their ability to pay back.

Salary & Consumer Report

The Analytics Platform offers standardized reporting functions to enable a fast driven view of the financial wellness of a consumer without any deep integration into your systems.

The salary report gives you an overview on all incoming salary payments, as well as the respective employer with additional information such as industry, address, as well as further details.
The consumer report is close to the approach of a personal finance management app and therefore gives you a financial overview of the consumer, his cashflow, revenue and spending as well as additional details within just one document.

Data Formats

Data Formats for every Application

For easy usage within your application accourate delivers the results in different data formats like JSON, CSV or PDF, depending on the type of request.

accourate international approach

International Approach

We offer our banking api to consumers in Germany, Austria and Spain. More countries to come within the next months. Get back to us if you need more information.


„A quick and valid decision on creditworthiness is the prerequisite for a successful online loan. With accourate, FinTecSystems offers a reliable real-time solution that delivers data of the highest quality via XS2A. That’s why we chose FinTecSystems as our partner.“

Dr. Jan WeitzelCEO of CashCapecashcape.com

“We started abracar to make the used car purchase easier, digital and transparent, including a convenient payment method. Abrapay is our solution for secure money transfer in real time. FinTecSystems has a long experience and expertise in e-payment and is therefore the perfect partner for us.“

Sebastian JostFounder and CEO of abracar by Allianzabracar.de

“For online loans, we continue to see great growth potential in the market. With the integration of digital banking information with FinTecSystems into our credit application line, our clients will be able to conclude a personal loan even faster and completely free from media discontinuance. This will also be possible with a smartphone or tablet on the go.“

Thomas TeuberManaging Director of SKG BANK (DKB Group)skgbank.de



Highest service level through In-House development
more than 10 years of experience


Live in
DE | AT | FR | ES | CH
Upcoming countries
BE | IT | NL | UK


Bank specific login labels
Complete bank coverage

Seamless Javascript Widget integration enables a fast and automated processing of the accourate procedure customized in your look & feel, without big development.

Banking REST API

The REST API integrates accourate in your systems, you can control the GUI of your application according to our contentual standards.


Credit Institutions

Loan application processes are not yet fully digitalized. Cumbersome credit checks and long-winded offline processes result in massive conversion loss.

accourate automates and optimizes these steps for your consumers – fully digital seamless without discontinuity of media.


The core competence of many fintech based products is the processing of bank account information. This covers a wide spectrum from payment systems, banking services to debt collection and factoring companies.

accourate delivers tailor-fit financial analyses of your consumer.

Payment Service Provider

In eCommerce retailer and consumer often face conflicting goals. Payments such as direct debit, invoice or installment payment are only used in certain segments due to the higher default risk.

accourate helps PSPs to minimize credit risk and to further develop other segments.


Realtime Lending

Through our digital bank account check, we enable automated and fully digital loan decisions.

Secure Payments

Minimize fraud and credit risks for direct debit, pay-later and installment payments, by using payment relevant risk features.

Online Bank Transfer

Differentiate yourself with a White-Label online transfer system in your own look & feel.

Personal Finance Management

One-Stop solution for multibanking and categorization.

Receivables management

Be flexible and provide a debtor management adapted to your debtors.

Debt restructuring

Advice and help your customers with their debtor situation and offer them an optimal customer care.

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Highest Security due to certified data center

ISO 27001 FinTecSystems

Consumer data is only stored in german-based data centes – ISO27001 certified

SSL Datensicherheit FinTecSystems

SSL secured data transmission – double encrypted credentials

Accourate complies with the strict German Federal Data Protection Act

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