Prerequisites

API Access

The nrich API uses HTTP Basic Authentication with two credentials:

Client ID (username) and
Client Secret (password)

Each set of credentials is associated with specific access scopes that define your permissions on the nrich platform. Contact us to obtain your dedicated credentials.

Postman Collections

We recommend downloading our Postman Collections to simplify your integration through our pre-configured API requests, allowing you to test endpoints instantly without any manual setup.

Getting Started

Before implementation, review our Widget Integration Guide for best practices and setup instructions.

Overview

The Financial Data Product enables you to perform granular operations on bank account data. By granting access to end users' financial accounts, it opens the door to a broad range of financial capabilities. This product lets you retrieve detailed account information, such as account numbers, balances, and transaction histories, and equips your application with real-time transaction data for many use cases. It supports user consent management, adheres to stringent compliance and security standards, and helps you build personal finance tools, budgeting applications, lending and credit scoring systems, expense trackers, account aggregators, and real-time fraud detection mechanisms. The Financial Data Product gives your application the technical foundation to use financial data effectively.

Connectivity via the nrich API

The nrich API provides connectivity to several countries and offers access to a variety of account types, enabling you to access a wide range of financial data. Here's a breakdown of the supported countries and available account types:

Supported Countries:

Germany
Austria
Spain
Portugal
Romania

Available Account Types:

📘
Please note that the availability of account types may vary by country.

Payment Accounts: These are standard current or checking accounts used for day-to-day financial transactions.

(Daily) Savings Accounts: These accounts offer a safe place to save money and often provide interest on the deposited amount.

Depot Accounts: Depot or investment accounts are used for managing securities and investments, allowing you to track and manage your holdings.

Credit Cards: Access credit card account information, including balances, transaction history, and credit limits.

Loans: Retrieve information about loans, including outstanding balances, repayment schedules, and interest rates.

Insurances: Access data related to insurance policies, providing valuable insights into coverage and premiums.

Data-Access Types

Onetime Account Access

One-time account access is normally used by customers who want to verify or access certain information only once.

In the case of one-time account access, Qwist will store an end user's financial data for 1 hour. During this time, the customer can fetch the financial data from Qwist’s database as often as needed. After 1 hour, Qwist will delete the end user's financial data from its database.