While it's against most bank TOS, that clause has been ruled uncompetitive and therefore void by courts. As far as I know there is only a single German bank (DK

While it's against most bank TOS, that clause has been ruled uncompetitive and therefore void by courts. As far as I know there is only a single German bank (DKB) that officially cooperates and gives them API access. For the rest they use web scraping, the banks are not allowed to (intentionally) break it. The banks don't like that payment processor and therefore just started a competitor where you only give your credentials to your bank. Hopefully it gains traction.