How Indie Developers Can Build Finance Apps Using Open Banking Without Certificates

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Open Banking APIs under the EU's PSD2 directive allow apps to securely access users' bank balances and transactions with explicit consent, eliminating the need for password sharing or CSV exports. However, directly accessing bank APIs requires eIDAS qualified certificates, a regulator licence, and costly compliance processes that put the official route out of reach for independent developers. Licensed aggregator providers offer an alternative by letting developers use a simple API key while the aggregator handles all certificates and regulatory requirements. The underlying consent flow remains secure — users log in directly on their bank's page and approve scoped, time-limited data access without exposing credentials to the app. This approach enables indie developers to build personal finance tools on top of real banking data without navigating weeks of regulatory paperwork.

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