Dev Tools · 1h ago
How to Access EU Bank APIs Without Costly eIDAS Certificates
Developers can now access European open banking APIs without expensive eIDAS certificates by using aggregator services that hold the required credentials. The aggregator path costs nothing upfront and takes minutes to set up, versus EUR 2,000–10,000 per year and weeks of paperwork for direct access. This enables indie developers and small businesses to programmatically read bank data for accounting or personal finance apps.
Meridian48 take
The guide is practical but comes from a founder of an aggregator service, so readers should weigh vendor lock-in and data privacy risks against the convenience of skipping regulatory hurdles.
Read the full reporting
Open Banking Without an eIDAS Certificate: A Practical Developer's Guide (2026) →
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