Prerequisites

Account Setup

Qwist Link requires no API integration on your side. To get started you need:

• A Qwist Console account
• An application created in the Console — each application is issued its own client_id / client_secret pair (for Qwist Link, only the client_id is needed)
• Capabilities such as report generation enabled for your application — Contact us to configure these products

Overview

Qwist Link is a no-code way to invoke the Qwist Widget. Instead of starting a Widget flow with a server-to-server POST request, you generate a static URL that contains your client_id and a user identifier, and forward it to your end user — for example as a button on a webpage, in an email, or in an SMS.

When the user opens the link, they go through the standard Widget flow: they select their bank, authenticate with their bank's credentials, and grant access to their account data. Once the flow is complete, the resulting artifacts — raw account and transaction data, plus any reports your client is configured for — become available in the Qwist Console, where your team can review and download them. Because there is no backend integration, Qwist Link works without any development effort on your side, which makes it the fastest way to start using Qwist's data products.

Value Proposition

• Time to Value: Go live in days, not months. Validate your business case with real customer data before committing engineering resources to a full integration of Qwist's standard solutions.
• Competitive Differentiation: Launch data-driven services — loan pre-approval and final approval, advisory, scoring — faster than competitors who are still scoping their integration.
• Pilot Now, Scale Later: Start with low-volume use cases through the Console, then unlock real-time insights, dashboards, and analytics as your use case matures.

Available Artifacts

Every successful Qwist Link flow produces a baseline set of artifacts. Additional reports are generated based on your client configuration.

Connectivity via the Widget

Qwist Link uses the same Widget and bank connectivity layer as our standard (through API integration) products.

Supported Countries:

• Germany
• Austria
• Spain
• Portugal
• Italy
• France
• Belgium
• Netherlands

Supported Account Types: payment accounts, savings accounts, depot accounts, credit cards, loans, and insurances. Availability of account types varies by country.

When to Use Qwist Link

Link is the right choice when you want to:

• Validate a use case with real bank data before scoping an integration
• Run a pilot with a small number of users in production
• Trigger ad-hoc data collection from individual customers (e.g. via email outreach) without provisioning a frontend or backend integration
• Read account data but you are a company with smaller customer portfolio, so Qwist Link can easily become a standard way of retrieving your customers data without any initial development/integration efforts investment

For high-volume, real-time, or programmatically driven use cases, refer to the Widget Integration Guide and the product-specific implementation guides.