To integrate an open banking API, you typically: (1) choose an API aggregator or connect directly to a bank’s API if you only need one bank; (2) register for API credentials and, if offered, a sandbox; (3) implement the authorization flow (usually OAuth 2.0 or similar) so users can consent to sharing their accounts; (4) call the aggregator’s or bank’s endpoints for account list, balances, transactions, and optionally payment initiation; (5) handle errors, consent expiry, and re-authentication; and (6) test in sandbox then go live with production credentials.

Most teams integrate via an aggregator (e.g. TrueLayer, Tink, Plaid, Yapily) so one integration covers many banks. Aggregators provide SDKs, docs, and sandboxes. You’ll need to comply with local regulations (e.g. PSD2 in the EU, FCA in the UK) if you’re the regulated entity, or rely on the aggregator’s license where applicable.

The Open Banking Tracker lists API aggregators with sandbox info and links to developer portals. Our guides (e.g. Open Banking API Integration) and Open Banking API page explain concepts and integration steps in more detail.