The Five Paths to European Bank Data (And What Each One Actually Costs)
If you're building a fintech app in Europe, you need bank transaction data. The PSD2 directive guarantees access — but how you get that access determines your cost, complexity, and time-to-market.
I've spent the last year navigating this landscape. Here's an honest breakdown of every path available in 2026, with real numbers.
Path 1: Become a TPP yourself
You register as an Account Information Service Provider (AISP) with your national regulator, obtain an eIDAS Qualified Website Authentication Certificate (QWAC) and Qualified Electronic Seal (QSEAL), and call bank APIs directly.
