I think you can apply to get access to some sandbox from your bank (at least one of my EU banks does this) where you get access to documentation and fake APIs.

I think you can apply to get access to some sandbox from your bank (at least one of my EU banks does this) where you get access to documentation and fake APIs. Then you can go through a lengthy process to have it approved, but in my case I think it also requires a proper business entity to move it to "production". This might differ from bank to bank. Or, you can use something like GoCardless which provides a sort of aggregated API and "connection APIs" for making things simpler: https://gocardless.com/bank-account-data/ https://gocardless.com/bank-account-data/ Not affiliated with them, but I do use GoCardless to automatically import transaction data from a couple of EU bank accounts to my local datastore.