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Do any banks offer data feeds of personal accounts via any form of API? I'm essentially looking to check balances on accounts without logging into their website.
I remember reading about a universal banking protocol at some point... and maybe mint.com uses it to access accounts? Does mint.com have a special relationship with each bank, or can I leverage their method?
Edit: For my requirements, I'm only interested in accessing my own financial data.
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Open banking is a system under which banks open up their application programming interfaces (APIs), allowing third parties to access financial information needed to develop new apps and services and providing account holders greater financial transparency options.
APIs (application programming interfaces) are simply communication tools for software applications. APIs are leading to key advances within the banking industry as financial institutions continue to collaborate with third parties.
Open Banking APIs increase the appeal of a bank and enable them to meet the changing demands of existing customers as well as appeal to prospective customers. These APIs can also serve as a unique way to increase customer engagement and attend to customer needs in a secure, agile, and future-proof method.
An Open Banking API is the interface that links a bank's database with the outside program or application. This is what allows the bank to offer a wider selection of services, payment plans, and financial products tailored to each individual customer.
Look up the Open Financial Exchange (OFX) format on the web. That (I believe) is a generic format for the banking industry.
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