Most banks do offer APIs due to various regulations [0], but they don't have to offer these APIs to end users, just to other (regulated and certified) companies

Most banks do offer APIs due to various regulations [0], but they don't have to offer these APIs to end users, just to other (regulated and certified) companies. Also the output format can be a wild west. Therefore there is not much practical choice other than to use Plaid, Nordigen, Basiq, etc. Afaik European PSD3 wants to address these 2 issues [1], but it will probably take 3+ years before it gets into effect. [0] https://www.openbankproject.com/solutions/compliance/ https://www.openbankproject.com/solutions/compliance/ [1] https://ec.europa.eu/commission/presscorner/detail/en/ip_23_3543 https://ec.europa.eu/commission/presscorner/detail/en/ip_23_...