Iute Open Banking API Documentation
Support: openbanking-support@iute.com
Welcome to the Iute Open Banking API documentation.
The Open Banking API is built on PSD2 specification. Our API is RESTful. It has predictable resource URLs. It returns HTTP response codes to indicate errors. It also accepts and returns JSON in the HTTP body. You can use your favorite HTTP/REST library for your programming language to use Iute Open Banking API.
Recent API changes
01.12.2025 - 1.0.0
First API realease
The purpose of this documentation is to explain Iute’s PSD2 API implementation and usage in detail. This includes different API usage flows, requirements, and complex parts. Services specified in this document are user authorisation, strong customer authentication (SCA), consent, account and payment initiation services. Here developer could find endpoints and their details.
As an Open Banking Developer you are someone trying to innovate by using financial data without being a regulated entity on the financial market. This requires a contract to access services provided and may also be a subject of specific terms and conditions. APIs are offered as a part of the PSD2 regulation, as a subset of the Open Banking initiative. As a TPP (Third Party Payment service provider - is a provider of an application that the user uses and that is not offered by the bank. TPP is the client/consumer/partner of the API and acts on behalf of the user) within the PSD2 definition, you are under supervision of the Financial Supervision Authority in your home member state in the European Union. With this comes a set of rights, as well as a set of obligations.
Iute's Open Banking API is constructed following standarts described in ISO20022 and the NextGenPSD2 Access to Account Interoperability Framework - Implementation Guidelines V1.3.9_20210329.pdf (BGS).
The exposure of data is done through RESTful services. Most of API calls data is provided in JavaScript Object Notation (JSON) format. All API requests and responses must use a UTF-8 character encoding. All dates in parameters & request body are represented in ISO 8601 date or date time format e.g.:
- ISO 8601 Date - 2019-05-30
- ISO 8601 DateTime - 2019-05-30T00:00:00+00:00
Identification and connection security
The communication between the TPP and the Bank is always secured by using TLS version 1.2 or higher.
Sandbox usage
The API's Sandbox consists of static mocked data needed for preliminary testing:
- Account Information Services (AIS) as defined by article 67 in the PSD2 Directive;
- Payment Initiation services (PIS) as defined by Article 66 in the PSD2 Directive;
- Confirmation on the availability of funds (CoF) as defined by Article 65 in the PSD2 Directive;
- Security and consent services (SEC) to create consent and check existing consents.
Using the PSD2 Sandbox With a Self-Signed Certificate
To ensure secure communication between TPP and Iute, and for TPP identification, Iute relies on mutual TLS (mTLS) authentication. For convenience, the Sandbox environment provides a self-signed certificate that you can use during development and testing. Your HTTP client must present the certificate and private key when making requests.
How to Use
- Download the client certificate and private key below.
- Configure your API client (Postman, curl, Java, Node.js, etc.) to use them for mTLS.
- Point all requests to the sandbox host using
https://.
/psd2/v1/accounts
Operation ID: getAllAccounts
Summary: Get all accounts operations
-
consentId:
e7a346a5-9b6c-44da-9fc5-ac93046dc4fa,B3564EE9-B153-43A6-B849-03BC9B71BFC0
Static Responses:
{
"accounts": [
{
"resourceId": "fee0e1e3-29cb-4019-87d1-feaeee87b346",
"iban": "BG09IUTE40225971919096",
"currency": "EUR",
"product": "IUTE",
"cashAccountType": "CACC",
"name": "Payment account",
"_links": {
"balances": {
"href": "/psd2/v1/accounts/fee0e1e3-29cb-4019-87d1-feaeee87b346/balances"
},
"transactions": {
"href": "/psd2/v1/accounts/fee0e1e3-29cb-4019-87d1-feaeee87b346/transactions"
}
}
}
]
}
{
"accounts": [
{
"resourceId": "1f688d83-4b7c-45ba-8db5-ca2f370f684c",
"iban": "BG11IUTE40223334445566",
"currency": "EUR",
"product": "IUTE",
"cashAccountType": "CACC",
"name": "Payment account",
"_links": {
"balances": {
"href": "/psd2/v1/accounts/1f688d83-4b7c-45ba-8db5-ca2f370f684c/balances"
},
"transactions": {
"href": "/psd2/v1/accounts/1f688d83-4b7c-45ba-8db5-ca2f370f684c/transactions"
}
}
}
]
}
{
"accounts": [
{
"resourceId": "fee0e1e3-29cb-4019-87d1-feaeee87b346",
"iban": "BG09IUTE40225971919096",
"currency": "EUR",
"product": "IUTE",
"cashAccountType": "CACC",
"name": "Payment account",
"balances": [
{
"balanceAmount": {
"currency": "EUR",
"amount": "130.00"
},
"balanceType": "expected",
"referenceDate": "2025-10-02"
}
],
"_links": {
"balances": {
"href": "/psd2/v1/accounts/fee0e1e3-29cb-4019-87d1-feaeee87b346/balances"
},
"transactions": {
"href": "/psd2/v1/accounts/fee0e1e3-29cb-4019-87d1-feaeee87b346/transactions"
}
}
}
]
}
{
"accounts": [
{
"resourceId": "1f688d83-4b7c-45ba-8db5-ca2f370f684c",
"iban": "BG11IUTE40223334445566",
"currency": "EUR",
"product": "IUTE",
"cashAccountType": "CACC",
"name": "Payment account",
"balances": [
{
"balanceAmount": {
"currency": "EUR",
"amount": "0"
},
"balanceType": "expected",
"referenceDate": "2025-10-02"
}
],
"_links": {
"balances": {
"href": "/psd2/v1/accounts/1f688d83-4b7c-45ba-8db5-ca2f370f684c/balances"
},
"transactions": {
"href": "/psd2/v1/accounts/1f688d83-4b7c-45ba-8db5-ca2f370f684c/transactions"
}
}
}
]
}
/psd2/v1/accounts/{accountId}/balances
Operation ID: getAccountBalances
Summary: Get balances for account
-
consentId:
e7a346a5-9b6c-44da-9fc5-ac93046dc4fa,B3564EE9-B153-43A6-B849-03BC9B71BFC0 -
accountId:
fee0e1e3-29cb-4019-87d1-feaeee87b346,1F688D83-4B7C-45BA-8DB5-CA2F370F684C
Static Responses:
{
"account": {
"iban": "BG09IUTE40225971919096"
},
"balances": [
{
"balanceAmount": {
"currency": "EUR",
"amount": "130.00"
},
"balanceType": "expected",
"referenceDate": "2025-10-02"
}
]
}
{
"account": {
"iban": "BG11IUTE40223334445566"
},
"balances": [
{
"balanceAmount": {
"currency": "EUR",
"amount": "0"
},
"balanceType": "expected",
"referenceDate": "2025-10-02"
}
]
}
/psd2/v1/accounts/{accountId}/transactions
Operation ID: getAccountTransactions
Summary: Get transactions for a specific account
-
consentId:
e7a346a5-9b6c-44da-9fc5-ac93046dc4fa,B3564EE9-B153-43A6-B849-03BC9B71BFC0 -
accountId:
fee0e1e3-29cb-4019-87d1-feaeee87b346,1F688D83-4B7C-45BA-8DB5-CA2F370F684C
Static Responses:
{
"account": {
"iban": "BG09IUTE40225971919096"
},
"transactions": {
"pending": [],
"booked": [
{
"transactionId": "9c7e22b0-3ae2-42bb-8706-28cc3a210a90",
"creditorName": "John Doe",
"creditorAccount": {
"iban": "BG09IUTE40225971919096"
},
"debtorName": "Acme OÜ",
"debtorAccount": {
"iban": "EE391700017000000000"
},
"transactionAmount": {
"currency": "EUR",
"amount": 50.00
},
"bookingDate": "2025-10-02",
"valueDate": "2025-10-02",
"remittanceInformationUnstructured": null
},
{
"transactionId": "a50b0a01-f3be-4980-b02b-0ef5e90c34f0",
"creditorName": "John Doe",
"creditorAccount": {
"iban": "BG09IUTE40225971919096"
},
"debtorName": "Foo Bar",
"debtorAccount": {
"iban": "EE801010010000000005"
},
"transactionAmount": {
"currency": "EUR",
"amount": 80.00
},
"bookingDate": "2025-10-02",
"valueDate": "2025-10-02",
"remittanceInformationUnstructured": null
},
{
"transactionId": "690d7cc6-6401-4151-b938-1c1f21726346",
"creditorName": "John Doe",
"creditorAccount": {
"iban": "BG09IUTE40225971919096"
},
"debtorName": "Iute Internal",
"debtorAccount": {
"iban": "BG66IUTE40223334445566"
},
"transactionAmount": {
"currency": "EUR",
"amount": 40.00
},
"bookingDate": "2025-10-02",
"valueDate": "2025-10-02",
"remittanceInformationUnstructured": null
}
],
"_links": {
"account": {
"href": "/psd2/v1/accounts/fee0e1e3-29cb-4019-87d1-feaeee87b346"
}
}
}
}
{
"account": {
"iban": "BG11IUTE40223334445566"
},
"transactions": {
"pending": [],
"booked": [
{
"transactionId": "5a6c465e-5262-44db-9f7f-123d68d3b109",
"creditorName": "Jane Roe",
"creditorAccount": {
"iban": "BG11IUTE40223334445566"
},
"debtorName": "Acme OÜ",
"debtorAccount": {
"iban": "EE771010010000000007"
},
"transactionAmount": {
"currency": "EUR",
"amount": 60.00
},
"bookingDate": "2025-10-02",
"valueDate": "2025-10-02",
"remittanceInformationUnstructured": null
},
{
"transactionId": "6d167f86-b7d0-4981-bae0-717c1f961de2",
"creditorName": "Jane Roe",
"creditorAccount": {
"iban": "BG11IUTE40223334445566"
},
"debtorName": "Baz Qux",
"debtorAccount": {
"iban": "EE121010010000000003"
},
"transactionAmount": {
"currency": "EUR",
"amount": 20.00
},
"bookingDate": "2025-10-02",
"valueDate": "2025-10-02",
"remittanceInformationUnstructured": null
},
{
"transactionId": "645c7d4f-af5e-48e4-b2bd-1d711769e61a",
"creditorName": "Jane Roe",
"creditorAccount": {
"iban": "BG11IUTE40223334445566"
},
"debtorName": "Iute Internal",
"debtorAccount": {
"iban": "BG09IUTE40225971919096"
},
"transactionAmount": {
"currency": "EUR",
"amount": 15.00
},
"bookingDate": "2025-10-02",
"valueDate": "2025-10-02",
"remittanceInformationUnstructured": null
}
],
"_links": {
"account": {
"href": "/psd2/v1/accounts/1f688d83-4b7c-45ba-8db5-ca2f370f684c"
}
}
}
}
/psd2/v1/accounts/{accountId}
Operation ID: getAccount
Summary: Get specific account information
-
consentId:
e7a346a5-9b6c-44da-9fc5-ac93046dc4fa,B3564EE9-B153-43A6-B849-03BC9B71BFC0 -
accountId:
fee0e1e3-29cb-4019-87d1-feaeee87b346,1F688D83-4B7C-45BA-8DB5-CA2F370F684C
Static Responses:
{
"account": {
"resourceId": "fee0e1e3-29cb-4019-87d1-feaeee87b346",
"iban": "BG09IUTE40225971919096",
"currency": "EUR",
"ownerName": "John Doe",
"product": "IUTE",
"cashAccountType": "CACC",
"name": "Payment account",
"_links": {
"balances": {
"href": "/psd2/v1/accounts/fee0e1e3-29cb-4019-87d1-feaeee87b346/balances"
},
"transactions": {
"href": "/psd2/v1/accounts/fee0e1e3-29cb-4019-87d1-feaeee87b346/transactions"
}
}
}
}
{
"account": {
"resourceId": "fee0e1e3-29cb-4019-87d1-feaeee87b346",
"iban": "BG09IUTE40225971919096",
"currency": "EUR",
"ownerName": "John Doe",
"product": "IUTE",
"cashAccountType": "CACC",
"name": "Payment account",
"balances": [
{
"balanceAmount": {
"currency": "EUR",
"amount": "130.00"
},
"balanceType": "expected",
"referenceDate": "2025-10-02"
}
],
"_links": {
"balances": {
"href": "/psd2/v1/accounts/fee0e1e3-29cb-4019-87d1-feaeee87b346/balances"
},
"transactions": {
"href": "/psd2/v1/accounts/fee0e1e3-29cb-4019-87d1-feaeee87b346/transactions"
}
}
}
}
{
"account": {
"resourceId": "1f688d83-4b7c-45ba-8db5-ca2f370f684c",
"iban": "BG11IUTE40223334445566",
"currency": "EUR",
"ownerName": "Jane Roe",
"product": "IUTE",
"cashAccountType": "CACC",
"name": "Payment account",
"_links": {
"balances": {
"href": "/psd2/v1/accounts/1f688d83-4b7c-45ba-8db5-ca2f370f684c/balances"
},
"transactions": {
"href": "/psd2/v1/accounts/1f688d83-4b7c-45ba-8db5-ca2f370f684c/transactions"
}
}
}
}
{
"account": {
"resourceId": "1f688d83-4b7c-45ba-8db5-ca2f370f684c",
"iban": "BG11IUTE40223334445566",
"currency": "EUR",
"ownerName": "Jane Roe",
"product": "IUTE",
"cashAccountType": "CACC",
"name": "Payment account",
"balances": [
{
"balanceAmount": {
"currency": "EUR",
"amount": "0"
},
"balanceType": "expected",
"referenceDate": "2025-10-02"
}
],
"_links": {
"balances": {
"href": "/psd2/v1/accounts/1f688d83-4b7c-45ba-8db5-ca2f370f684c/balances"
},
"transactions": {
"href": "/psd2/v1/accounts/1f688d83-4b7c-45ba-8db5-ca2f370f684c/transactions"
}
}
}
}
/psd2/v1/funds-confirmations
Operation ID: confirmationOfFunds
Summary: Check availability of users funds (Confirmation of Funds)
-
consentId:
e7a346a5-9b6c-44da-9fc5-ac93046dc4fa,B3564EE9-B153-43A6-B849-03BC9B71BFC0 -
iban:
BG09IUTE40225971919096,BG11IUTE40223334445566
Static Responses:
{
"fundsAvailable": true
}
{
"fundsAvailable": false
}
/psd2/v1/consents/{consentId}/status
Operation ID: getConsentStatus
Summary: Check the status of consent resource
-
consentId:
e7a346a5-9b6c-44da-9fc5-ac93046dc4fa,B3564EE9-B153-43A6-B849-03BC9B71BFC0
Static Responses:
{
"status": "valid"
}
/psd2/v1/consents
Operation ID: createConsent
Summary: Creation of consent resource
-
iban:
BG09IUTE40225971919096,BG11IUTE40223334445566
Static Responses:
{
"consentStatus": "VALID",
"consentId": "e7a346a5-9b6c-44da-9fc5-ac93046dc4fa",
"_links": {
"scaRedirect": {
"href": "https://<env-host>/psd2/consents/e7a346a5-9b6c-44da-9fc5-ac93046dc4fa?tppName=Organizacion X3"
},
"status": {
"href": "/psd2/v1/consents/e7a346a5-9b6c-44da-9fc5-ac93046dc4fa/status"
}
}
}
/psd2/v1/consents/{consentId}
Operation ID: deleteConsent
Summary: Delete consent resource
Static Responses:
{"note":"no examples found"}
/psd2/v1/consents/{consentId}
Operation ID: getConsent
Summary: Get the consent resource
-
consentId:
e7a346a5-9b6c-44da-9fc5-ac93046dc4fa,B3564EE9-B153-43A6-B849-03BC9B71BFC0
Static Responses:
{
"access": {
"accounts": [
{
"iban": "BG09IUTE40225971919096"
}
],
"balances": [
{
"iban": "BG09IUTE40225971919096"
}
],
"transactions": [
{
"iban": "BG09IUTE40225971919096"
}
]
},
"recurringIndicator": true,
"validUntil": [
2026,
3,
31
],
"frequencyPerDay": 4,
"lastActionDate": [
2025,
10,
2
],
"consentStatus": "VALID",
"_links": {
"account": {
"href": "/psd2/v1/accounts"
}
}
}
{
"access": {
"accounts": [
{
"iban": "BG11IUTE40223334445566"
}
],
"balances": [
{
"iban": "BG11IUTE40223334445566"
}
],
"transactions": [
{
"iban": "BG11IUTE40223334445566"
}
]
},
"recurringIndicator": true,
"validUntil": [
2026,
3,
31
],
"frequencyPerDay": 4,
"lastActionDate": [
2025,
10,
2
],
"consentStatus": "VALID",
"_links": {
"account": {
"href": "/psd2/v1/accounts"
}
}
}
/psd2/v1/payments/{paymentMethod}/{paymentId}/status
Operation ID: paymentRequestStatus
Summary: Get the current status of a payment request
-
consentId:
e7a346a5-9b6c-44da-9fc5-ac93046dc4fa,B3564EE9-B153-43A6-B849-03BC9B71BFC0 -
paymentId:
2aa63e9a-d0f5-4e24-a80a-12f50349d302,7EA8915F-CC3A-4444-B3C0-474510D30796
Static Responses:
{
"transactionStatus": "ACCC"
}
/psd2/v1/payments/{paymentMethod}/{paymentId}
Operation ID: getPayment
Summary: Retrieve payment by ID
-
consentId:
e7a346a5-9b6c-44da-9fc5-ac93046dc4fa,B3564EE9-B153-43A6-B849-03BC9B71BFC0 -
paymentId:
2aa63e9a-d0f5-4e24-a80a-12f50349d302,7EA8915F-CC3A-4444-B3C0-474510D30796
Static Responses:
{
"id": "2aa63e9a-d0f5-4e24-a80a-12f50349d302",
"sepaTransactionId": "0b320ea4-e7e9-423c-a018-e3a2225c952e",
"remitterIban": "BG09IUTE40225971919096",
"amount": 130.00,
"fee": 0,
"beneficiaryName": "Iute Internal",
"beneficiaryIban": "BG11IUTE40223334445566",
"status": "ACCC",
"expectedSettlementDate": "2025-10-02",
"executedAt": "2025-10-02 14:05:16"
}
{
"id": "7ea8915f-cc3a-4444-b3c0-474510d30796",
"sepaTransactionId": "49276f0d-eb35-4fa4-aed8-a63af8eb296d",
"remitterIban": "BG11IUTE40223334445566",
"amount": 150.00,
"fee": 0,
"beneficiaryName": "External Beneficiary Ltd",
"beneficiaryIban": "DE44500105175407324931",
"status": "ACCC",
"expectedSettlementDate": "2025-10-02",
"executedAt": "2025-10-02 14:05:16"
}
/psd2/v1/payments/{paymentMethod}
Operation ID: draftPayment
Summary: Draft a new payment initiation
-
debtorAccount:
BG09IUTE40225971919096,BG11IUTE40223334445566 -
creditorAccount:
BG11IUTE40223334445566,DE44500105175407324931
Static Responses:
{
"transactionStatus": "RJCT",
"paymentId": "2aa63e9a-d0f5-4e24-a80a-12f50349d302",
"_links": {
"self": {
"href": "/psd2/v1/payments/sepa-credit-transfers/2aa63e9a-d0f5-4e24-a80a-12f50349d302"
},
"status": {
"href": "/psd2/v1/payments/sepa-credit-transfers/2aa63e9a-d0f5-4e24-a80a-12f50349d302/status"
},
"scaRedirect": {
"href": "http://localhost:8081/wallet/bank-transfer/7ea8915f-cc3a-4444-b3c0-474510d30796?tppName=Organizacion X3"
}
}
}
{
"transactionStatus": "RJCT",
"paymentId": "7ea8915f-cc3a-4444-b3c0-474510d30796",
"_links": {
"self": {
"href": "/psd2/v1/payments/sepa-credit-transfers/7ea8915f-cc3a-4444-b3c0-474510d30796"
},
"status": {
"href": "/psd2/v1/payments/sepa-credit-transfers/7ea8915f-cc3a-4444-b3c0-474510d30796/status"
}
}
}