How to Access EU Bank Data via Python Without an eIDAS Certificate
Developers building apps with European bank APIs under PSD2 regulations typically need a costly eIDAS QWAC certificate and per-bank registration as a Third Party Provider. A workaround involves using a licensed Account Information Service Provider (AISP), which already holds the required certificate and exposes bank data through a standard REST API. The developer's app communicates only with the AISP's API, avoiding direct bank registration and complex mutual TLS setup entirely. Using Python 3.8+ and an API key from an AISP provider, developers can initiate user consent sessions, retrieve account balances, and pull transaction data with minimal code. The approach suits indie developers and small businesses, though it introduces a dependency on the intermediary AISP platform.
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