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Introduction

Overview

Kontomatik is a read-only API to banks. Kontomatik is able to import personal data, account balances and full statements from any supported bank into your system. To do that, Kontomatik API will need end-user bank credentials (most often a bank login and password). To ask the end user for his bank credentials, we offer a widget that you can embed on your website, as an iframe.

Kontomatik Demo

Kontomatik Demo is example Kontomatik deployment. See how things can work for your end users. Kontomatik Demo allows for real data import to prove our technology worldwide.

While using the demo, don’t forget that Kontomatik is just an API, plus a small widget. You need to build your web app or mobile app on top of it. The frontend look-and-feel is entirely up to you.

Ask for demo access.

Permissionless innovation

Under the hood, Kontomatik uses screen-scraping to mimic a human using his web browser. By using the very same protocol as a web browser, Kontomatik can potentially support any online bank worldwide.

Glossary

Word Description
Command Provides interaction with a remote online transaction system.
Session Context for all commands that interact with a remote online transaction system.
Sign-in widget Embeddable iframe providing a convenient and secure way of authenticating into a remote transaction system. The end user can select the target from a long (and constantly-growing) list of banks. Once the end user has successfully logged in, you can use Kontomatik API server-side to import data.
Target Online transaction system (internet banking platform). In the future, the API will likely support non-banking institutions, so please prefer the more general term ‘target’, instead of 'bank’, in your implementation.
User The end user who owns bank credentials.

API Conventions

Get API access

Authentication

Kontomatik API is protected by two-factor authentication:

Test environment

Use the test environment for testing and development.

The test environment is fully-featured and unrestricted, including real data import.

We kindly ask you to not use it for your production deployments.

The test API endpoint is: https://test.api.kontomatik.com/

Request test API access at kontomatik.com.

Production environment

The production API endpoint is: https://api.kontomatik.com/

To request your production API access, please contact your sales representative.

Kontomatik is also offered in the on-premises model. Contact our Sales team to get the best offer for your individual use case.

Switching to the production environment

Clients migrating to the production environment often report receiving a 404 'InvalidSessionId’ error. This is a common mistake. You are calling the production API endpoint with a session generated for your test client id.

Before using the API in production mode, please double-check that you have replaced:

Another thing that triggers a 404 error is a non-whitelisted IP, which prompts the server to respond with 'We don’t know who you are…’. Please use a whitelisted IP or request your IP to be whitelisted at [email protected].

SignIn Widget

Overview

Kontomatik SignIn Widget takes end-to-end care of the bank selection and login process, at the end providing you with an authenticated session so you can focus on reading the data.

Kontomatik SignIn Widget:

Kontomatik SignIn Widget is an HTML5 iframe element that you embed on your website by calling our JavaScript.

Upon successful sign-in, you will be provided with the sessionId and sessionIdSignature parameters. You will need them to execute Kontomatik API commands.

Embedding the widget

<!-- index.html / head -->
<script src="https://signin.kontomatik.com/assets/signin-widget.js">
</script>

<!-- index.html / body -->
<div id="kontomatik" />

// index.js
embedKontomatik({
  client: 'YOUR_CLIENT_ID',  // replace it with your assigned client id
  divId: 'kontomatik',       // must match the div element id
  onSuccess: function(target, sessionId, sessionIdSignature, options) {
    // End-user successfully signed in to the bank
    // Pass target, sessionId and sessionIdSignature to your backend
    alert('It works!');
  }
});

To embed the widget on your web page:

See the example in the code section.

The client param identifies you and selects the API endpoint. See test and production to learn how to claim your API access.

Required params

The embedKontomatik() function takes the following obligatory parameters:

Parameter Description
client The client id you received from us. You will likely have two of them - one for the test and one for production API. See embedding the widget for details.
divId Where to render the widget. Make sure this div element already exists before calling the embedKontomatik() function.
onSuccess Callback function for end-user successful login into the bank. Please see onSuccess callback description for more details.

Optional params

The embedKontomatik() function takes the following optional parameters:

Parameter Default Description
country null Pre-selects the country. If omitted, the country drop down list will be shown. Accepted values: br cz es uk mx pl ru it lt lv ee.
clientIdentity null The full name under which your company is registered, ex. “Kreditech Holding SSL GmbH”.
locale en Determines end-user interface language. Accepted values: cz en es et it pl pt ru lt lv.
target null Pre-selects the bank. If omitted, the bank drop down list will be shown. Accepted values: check target name attribute in Catalog command response.
ownerExternalId null Your own arbitrary identifier of the end user. For a lender, this might be your loan application id. If you are a bank, a credit application id might be appropriate. If you are a PFM vendor, this could be your end-user database id. Passing this param is highly recommended. It allows you to group all imported data and fetch them together, even if they span across multiple Kontomatik sessions.
showFavicons false Set to true to show banks’ favicons in a drop down list. Makes it easier for the end user to find a bank. Also it looks more appealing and professional. This is off by default because using bank logotypes can be a grey area in some jurisdictions.
showScreenshots true By default, screenshot of bank’s login page is displayed. Set the value to false if you do not wish the widget to display screenshots.
showBetaQualityLabels true/false Option to toggle the visibility of beta quality labels for beta quality targets. Please note the default is true on the test environment and false on production. This is an exception that breaks the symmetry between test and production.
showTargetMissingOption true By default, “My bank is not listed…” option is displayed on the bank selection list. Set the value to false if you do not want this option to show up on the list.
showTargetMissingForm true Option to control whether the user who clicked on “My bank is not listed…” option is then redirected to a form prompting the user to enter the name and url address of the unsupported bank. Passing false enables you to handle this scenario however you prefer.
showDefaultTarget true The widget displays a bank with a large market share as the default value of the bank selection list. If instead of a default target you prefer to display the message Select from list, set showDefaultTarget to false.
dynamicHeight false If set to true, the <iframe> height will change based on the content of the element. This feature is currently in beta state.
styles null Optional object defining the look and feel of the widget. For more information please refer to styling the widget section.

PSD2 params (beta version, might change in the nearest future)

<!-- index.html / head -->
<script src="https://signin.kontomatik.com/assets/signin-widget.js">
</script>

<!-- index.html / body -->
<div id="kontomatik" />

// index.js
embedKontomatik({
  //client: 'YOUR_CLIENT_ID', divId: 'kontomatik',       // must match the div element id
  onSuccess: function(target, sessionId, sessionIdSignature, options) {
    alert('It works!'); // End-user successfully signed in to the bank
  },
  psd2: {
    multipleImport: false, // set to true to enable multiple imports in the background
    forceSca: true,
    maxImportDate:  '2019-01-01'
    polishApiSpecific: {
      accountNumbers: ['PL32114020040000320250132522'], // the end-user won't be asked to choose accounts
      transactionsStatuses: ['DONE'], // we will fetch all transactions defined by this dictionary value
      consentTimeLimit: 'PT1H' // fill only if you hold an AISP license and need to adjust this value
    }
  }
});

The embedKontomatik() function takes an additional (optional) parameter psd2 which contains an object with properties specific to PSD2 Open Banking API:

Parameter Default Description
multipleImport false (beta) A flag enabling multiple imports up to 4 times per day, throughout 90 days, in the background. Requires additional backend integration.
polishApiSpecific null Object containing fields specific to PolishAPI standard. Read further for more information.
maxImportDate null Upper bound for a transaction’s import date, in YYYY-MM-DD format. If specified, then only transactions whose 'import date’ is equal to or earlier than the given date will be regarded. A date passed in the since parameter during import commands will be trimmed to the date provided before in the widget.
forceSca false In supported banks enables Strong Customer Authentication (SCA) by introducing extra steps which would be an additional consent and authentication of an end-user in the purpose of fetching higher than 90 days of the transaction history. The parameter supports true/false value depending on what effect we would like to achieve.

The embedKontomatik() function takes an additional (optional) parameter polishApiSpecific inside psd2 parameter which contains an object with properties specific to PolishAPI standard:

Parameter Default Description
accountNumbers [] In Poland it is possible to limit the scope of an import by passing the list of account numbers to the Widget. The end-user will have to grant the consents only for those particular accounts. This value is also required for multiple import when the consent has expired and you do not want to ask the user to choose accounts again. This parameter takes the array of account numbers. The account numbers are formatted in accordance with ISO 13616.
transactionsStatuses ['DONE’] It is possible to specify one or multiple dictionary values: ALL, DONE, PENDING, REJECTED, CANCELLED, SCHEDULED, HOLD. Each value limits the scope of imported transactions. If more than one value is passed then the logical OR is applied.
consentTimeLimit 60min/90days single/multiple import (beta) Consent validity period. Format: ISO 8601 duration format (e.g. PT1H - 1 hour). This field is to be used only by AIS entities.

Callbacks

Signin Widget provides a set of several callbacks, which are invoked when widget enters a new state or an important event takes place. It should be emphasized, that you only need to implement the onSuccess callback.

Callbacks are passed to embedKontomatik() function as params.

Here is the brief summary of available callbacks:

Callback Required Description
onSuccess yes Callback function for end-user successful login into the bank. Please see onSuccess callback description for more details.
onError no Callback function for end-user failed login attempt into the bank (for any reason). Please see onError callback description for more details.
onUnsupportedTarget no Invoked when the user clicks “My bank is not listed…” option on the bank selection list. Please see onUnsupportedTarget callback description for more details.
onInitialized no Called when the application is fully initialized and ready for user interaction. Please see onInitialized callback description for more details.
onStarted no Called when bank selection list is shown. Please see onStarted callback description for more details.
onTargetSelected no Invoked when user selects bank from the list. Please see onTargetSelected callback description for more details.
onCredentialEntered no Called after user enters credential. Please see onCredentialEntered callback description for more details.

The following figure presents a visual reference for the callbacks and widget’s transition between stages.

onSuccess callback

When the user successfully signs into the banking system the onSuccess callback is called. It will be passed the following parameters:

Parameter Description
target an identifier of the bank the end user has signed into
sessionId an identifier of the Kontomatik session
sessionIdSignature signature created for the sessionId to detect any attempt to tamper with its value
options an object containing extra properties, a more detailed explanation follows below

At the very least you should pass the sessionId and sessionIdSignature parameters to your backend application, which will use them later on to call Kontomatik API.

The options object contains the following properties:

Property Available Description
officialName always the full bank name
multipleImportId only for multiple imports (beta) An identifier of the multiple import, used to extract sessionId for consecutive imports without the end-user login (in the background). multipleImport flag in the Widget has to be set to true for this parameter to be generated.

onError callback

The onError callback is called when the user fails to sign into the bank (i.e. the user provided invalid credentials, the bank transactions system is offline). It will be passed the following parameters:

Parameter Description
exception indicates what went wrong during the attempt to sign in. For more details please refer to error handling.
options an object containing extra properties, a more detailed explanation follows below

The options object contains the following properties:

Property Available Description
target always an identifier of the bank the end user has attempted to sign into
sessionId always an identifier of the session that has resulted in an error
officialName always the full bank name

Please note that you do not have to implement this. The widget handles error paths gracefully. This only serves informational purposes and should not affect your UI flow.

onUnsupportedTarget callback

In case when the user’s bank is not listed, the user can select “My bank is not listed…” option on the dropdown list. The user is then redirected to a form, where he or she is prompted to enter the name and the url address of the missing bank. Regardless whether the user enters any text, the onUnsupportedTarget callback is fired. It will be passed an object with the following properties:

Property Description
target the name of the bank the user has entered
country location of the requested bank
address the url address of the bank’s login page

onInitialized callback

The onInitialized callback is called when the widget is ready for user interaction, that is a fully initialized bank select list is shown. The callback could be useful in case you decide to show your own spinner until the widget is initialized.

Note: the callback will be fired only once in widget’s lifecycle.

onStarted callback

In contrast to onInitialized callback, the onStarted callback is called each time a bank selection list is shown to the end user.

onTargetSelected callback

The onTargetSelected callback is called when the user selected a bank and clicked the “next” button. The callback will be passed an object with the following properties:

Property Description
name an identifier of the bank the end user has selected
officialName the full bank name

onCredentialEntered callback

The onCredentialEntered callback is called when user entered credential and clicked the “next” button.

CSS styling the widget

embedKontomatik({
  /*
  ... (see Embedding the widget for the full reference) ...
  */
  styles: {
    bodyBgColor: '#20252b',
    textColor: '#ebebeb',
    borderRadius: '10px',
    btnBgColor: '#4e5d6c',
    btnBorderColor: 'transparent',
    btnTextColor: '#fff',
    btnPrimaryBgColor: '#e76d3b',
    btnPrimaryBorderColor: 'transparent',
    btnPrimaryTextColor: '#fff',
    inputBgColor: '#4e5d6c',
    inputBorderColor: 'transparent',
    inputBorderFocusColor: '#2c97de',
    inputTextColor: '#fff',
    inputDisabledTextColor: '#b4bcc2',
    alertErrorBgColor: '#d9534f',
    alertErrorBorderColor: 'transparent',
    alertErrorTextColor: '#fff',
    menuHighlightBgColor: '#2c3e50'
  }
});

Scope and approach

Widget offers easy customization of colors but no arbitrary CSS overrides.

Why no CSS overrides? We improve the widget every month in a CSS-breaking way to further optimize conversion rate, security and usability.

Allowing for arbitrary CSS overrides would effectively block us from ongoing widget development (or we would break our customers layouts).

This limitation brings mutual benefits - you automatically get all important improvements, for free.

We believe you can get very close to your ideal visual effect just by smartly customizing the colors.

How to customize the colors?

Customization is achieved by passing the styles: { /* ... */ } option to embedKontomatik() function.

For a complete list of styles object properties see the following table.

Key Description
alertErrorBgColor
alertErrorBorderColor
alertErrorTextColor
 respectively controls the background, border and text color of an error message alert box
bodyBgColor the background color of the widget
borderRadius controls the corner roundness of all input components (buttons, inputs, alert box). The default value is 4px
btnBgColor
btnBorderColor
btnTextColor
 respectively controls the background, border and text color of the “Change bank” button
btnPrimaryBgColor
btnPrimaryBorderColor
btnPrimaryTextColor		 respectively controls the background, border and text color of the “Next” and “Try again” buttons
inputBgColor
inputBorderColor
inputTextColor
inputDisabledTextColor
inputBorderFocusColor		 the first three keys control the background, border and text color of all inputs and dropdown lists. The inputDisabledTextColor key controls the text color of disabled element. The last key - inputBorderFocusColor - controls the border color of an input that has focus
menuHighlightBgColor controls the background color of a menu item the mouse pointer is over
textColor text color

The color values use a subset of standard CSS color definitions, you can use both the hexadecimal (#123456) as well as the standard RGB (rgb(12, 34, 56)) notations.

Additionally, you can also use transparent and inherit keywords. However the RGBA, HSL and HSLA notations are not supported. You cannot use predefined HTML and CSS color names.

The properties which take length values accept standard CSS length units like px, em and so on.

Best practices

For the end user the task of submitting bank credentials on your non-bank website can be a surprising and tricky task.

We must aim to make this process as pleasant and smooth as possible.

To maximize the conversion rate we highly recommend adhering to the following guidelines:

Provide extensive description

Make the widget a separate step in the application process

We strongly recommend to make the widget an individual and completely separate step in the loan application process:

Consider making Kontomatik the primary scenario/path in your loan application process

Some of our clients use Kontomatik as the only or the primary scenario in their loan application processes.

Of course, details vary between markets and it is not always realistic to expect all users to go through Kontomatik.

Give users something to do while background import takes place

Design the loan application form so that the Kontomatik Sign-In widget is one of the intermediary steps. The import process takes a short while to complete, so the end user might just as well continue filling out the rest of the application form.

Use gzip encoding in your HTTP requests to download data faster

Request

curl --get \
  --header "Accept-Encoding: gzip" \
  https://test.api.kontomatik.com/isItWorking

In your HTTP client library add the Accept-Encoding header for all HTTP requests:

Accept-Encoding: gzip

Getting more than 90 days of data

SCA (Strong Customer Authentication) is a part of the Regulatory Technical Standards imposed by some banks in Open Banking connections. Part of SCA is the enforcing limitation of historical data retrieval to a maximum of 90 days of historical transactions after the initial consent and authentication of an end-user.

Kontomatik provides the solution which would support retrieving more than 90 days of the transaction history in some banks. To enable these steps you need to include two parameters (“maxImportDate” and “forceSca”) in the SignIn Widget. Adding them to Widget integration will authorize fetching more than 90 days of transaction history and assent to show the user additional steps where he can introduce additional authentication details.

These parameters are not obligatory and are provided as a resource in the Widget integration for clients who require extended transaction history. To achieve a specific goal please see the table below.

What you want to achieve param: 'maxImportData’ param: forceSca
Getting more than 90 days of transactions (may lower conversion rate). Date in YYYY-MM-DD format higher than 90 days. True
Getting transactions older than 90 days only from banks that don’t require additional SCA. From other banks that require SCA, you will get up to 90 days of history. Date in YYYY-MM-DD format higher than 90 days. False
Getting transactions up to 90 days old. Date in YYYY-MM-DD format lower than 90 days. True/False

PSD2 flow on native mobile apps

Kontomatik access to banking data may be based on the OAuth standard. In such cases, after the target is selected in the Widget, the end user is redirected to a web page on the bank’s domain for authentication.

In order for the PSD2 flow to work properly on native mobile apps, window.open and window.close function calls have to be handled by the native WebView or the app code.

We have created a sample code example with a demonstration of how easy it is to embed our widget into a mobile application. You will find the example under the integration-examples section.

Basic API

Tutorial

We recommend to get API access for this section, if you haven’t done so already.

The first step is to embed the SignIn Widget on your website. Kontomatik SignIn widget takes care of asking the end user for his bank credentials and logging into the bank on his behalf.

The following steps depict a common scenario to download all essential data.

Default import command

Request

curl \
--header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
--data "sessionId=999999" \
--data "sessionIdSignature=ffff....ffff" \
--data "since=YYYY-MM-DD" \
https://test.api.kontomatik.com/v1/command/default-import.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="000000" state="setup" name="DefaultImportCommand">
    <progress><value>0</value></progress>
  </command>
</reply>

Final result of polling for this command status

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/default_import.xsd" status="200 OK">
  <command id="653643" state="successful" name="DefaultImportCommand" target="Alior" institution="Alior">
    <progress><value>13</value></progress>
    <result>
      <owners>
        <owner>
          <name>Jan Kowalski</name>
          <address>Kwiatowa 8/97 Warszawa  PL</address>
          <polishPesel>84011806651</polishPesel>
          <phone>+48612***078</phone>
          <email>[email protected]</email>
          <citizenship>PL</citizenship>
          <personalDocumentType>Identity document</personalDocumentType>
          <personalDocumentNumber>AAB123456</personalDocumentNumber>
          <birthDate>1984-01-18</birthDate>
          <kind>OWNER</kind>
        </owner>
        <!-- ... more owners ... -->
      </owners>
      <accounts>
        <account>
          <name>eKONTO</name>
          <iban>PL32114020040000320250132522</iban>
          <currencyBalance>1467.39</currencyBalance>
          <currencyFundsAvailable>1407.39</currencyFundsAvailable>
          <currencyName>PLN</currencyName>
          <owner>Jan Kowalski, Adam Nowak</owner> <!-- deprecated -->
          <activeSinceAtLeast>2000-02-28</activeSinceAtLeast>
          <moneyTransactions>
            <moneyTransaction>
              <transactionOn>2012-06-28</transactionOn>
              <bookedOn>2012-06-30</bookedOn>
              <currencyAmount>20.00</currencyAmount>
              <title>Return for beer in a pub</title>
              <party>Jan Kowalski</party>
              <partyIban>PL68249000050000400075212326</partyIban>
              <kind>EXTERNAL INCOMING TRANSFER</kind>
              <labels>
                <label><!-- label type --></label>
                <!-- ... more labels ... -->
              </labels>
            </moneyTransaction>
            <!-- ... more transactions ... -->
          </moneyTransactions>
          <owners>
            <owner>
              <name>Jan Kowalski</name>
              <address>Kwiatowa 8/97 Warszawa  PL</address>
              <kind>OWNER</kind>
            </owner>
            <owner>
              <name>Adam Nowak</name>
              <kind>CO_OWNER</kind>
            </owner>
          </owners>
        </account>
        <!-- ... more accounts ... -->
      </accounts>
      <!-- ... if target supports credit cards import -->
      <creditCards>
            <creditCard>
               <name>Karta Kredytowa W/Shell</name>
               <cardId>**************13</cardId>
               <iban>PL19025714369262645919804211</iban>
               <number>**************13</number>
               <currencyBalance>-79.00</currencyBalance>
               <currencyFundsAvailable>1321.02</currencyFundsAvailable>
               <currencyName>PLN</currencyName>
               <owners>
                 <owner>
                   <name>Jan Kowalski</name>
                   <address>Kwiatowa 8/97 Warszawa  PL</address>
                   <kind>OWNER</kind>
                 </owner>
               </owners>
               <moneyTransactions>
                  <moneyTransaction>
                     <transactionOn>2019-10-02</transactionOn>
                     <bookedOn>2019-10-03</bookedOn>
                     <currencyAmount>-100.99</currencyAmount>
                     <currencyBalance>1000.00</currencyBalance>
                     <title>Transakcja kartą kredytową;obciążenie 4814 POL Poznan Doladowania.payu (efwu)</title>
                     <party>Doladowania.payu, POL Poznan Doladowania.payu</party>
                     <partyIban>PL63249010440000420034376084</partyIban>
                     <kind>ZAPŁATA KARTĄ</kind>
                     <status>DONE</status>
                     <variableSymbol>6789</variableSymbol>
                  </moneyTransaction>
                  <!-- ... more transactions ... -->
               <moneyTransactions>
            </creditCard>
       <!-- ... more credit cards ... -->
      </creditCards>
    </result>
  </command>
</reply>

Initiates the default data import flow. Use it to get started quickly. This command will import all essential data with one API call.

This will get you:

The command is asynchronous. It returns command id. Use this call to poll for command status and to fetch results once the command is done.

Important. Do not set a timeout for the polling loop. Be prepared to wait for several minutes until Kontomatik fetches all the transaction history you requested. If you quit polling, you abandon the results and you pay for data you never received. If you must set a timeout, then use an ownerExternalId parameter to retrieve the data later on.

Important. After the default-import command successfully completes, the user is automatically signed out of the bank’s transaction system and the session is closed. You cannot use a closed session to execute additional commands.

HTTP Request

POST /v1/command/default-import.xml

Parameters

Parameter Default Description
sessionId obligatory Session identifier.
sessionIdSignature obligatory Signature preventing session id enumeration by attacker.
since obligatory Start date in YYYY-MM-DD format. Only transactions that occurred on or after the since date will be imported.

Data returned

Command execution can take anywhere from several seconds to several minutes, with 12s being our global median. You will learn when it’s done by polling for the command status.

Once the command status turns to successful the <result> element will be present containing all imported data.

See on the right pane how the data structure looks like. You will get <owners>, <accounts>, and <moneyTransactions> all together.

For a detailed description of all XML elements see the documentation of the relevant commands in the advanced API.

Default import flow VS custom import flow

The default-import command is a high-level API on top of primitive commands, such as import-owners, import-accounts, import-account-transactions, import-credit-cards, import-credit-card-transactions.

The primitive commands allow you to independently import owners and/or accounts/cards and/or transactions on the selected accounts/cards. You can build your custom-tailored import flow. In fact, the default-import is simply a macro-command implemented on top of other commands.

Command status

Request

curl --get \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  https://test.api.kontomatik.com/v1/command/000000.xml

Response for command in setup state

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="setup" name="...">
    <progress><value>0</value></progress>
  </command>
</reply>

Response for command in in_progress state

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="in_progress" name="...">
    <progress><value>8</value></progress>
  </command>
</reply>

Response for command in successful state:

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="successful" name="...">
    <progress><value>123</value></progress>
    <result>
      <!-- imported data, command specific -->
    </result>
  </command>
</reply>

Response for command in cancelled state

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="cancelled" name="...">
    <progress><value>123</value></progress>
  </command>
</reply>

Response for command in error state:

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="error" name="...">
    <progress><value>20</value></progress>
    <exception name="SessionExpired">
      <message>Exception message</message>
      <!-- optional tag -->
      <friendlyMessage>Exception message in local language</friendlyMessage>
    </exception>
  </command>
</reply>

Response for command in fatal state:

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="fatal">
    <progress><value>25</value></progress>
    <exception name="ExampleException">
      <message>Exception message</message>
    </exception>
  </command>
</reply>

Returns information about the status and progress of the command. Once the command has successfully completed, the request will also return the imported data.

Most of the commands are asynchronous and upon initiating them, the command identifier is immediately returned to the client. The client should poll the status of the command using command id.

HTTP Request

GET /v1/command/:id.xml

Parameters

Parameter Default Description
sessionId obligatory Session identifier.
sessionIdSignature obligatory Signature preventing session id enumeration by attacker.
:id obligatory Command identifier as part of the URL.

Data returned

See on the right pane how the data structure looks like per command status.

For a detailed description of <result> content see the documentation of the relevant commands in the advanced API.

Command states table:

State Description
setup command is queued and is awaiting allocation of resources
in_progress command is scraping data from online transaction system
successful the command has successfully executed. All data imported by the command is contained inside <result> tag.
cancelled the command has been cancelled by the service client
error command execution failed to complete due to: 1) errors beyond Kontomatik control (i.e. expired session with transaction system, target transaction system is experiencing some technical problems) 2) client induced errors (i.e. invalid bank account number, unsupported command for a given target). The <exception> element contains error details. Errors should not be reported to Kontomatik.
fatal a bug in Kontomatik software. If you use our hosted service we will learn about all fatal errors automatically. If you host Kontomatik on your servers you should report all fatals to us, including the full reply content.

Error handling

We can divide possible errors into four categories:

Errors caused by external factors

Command execution may fail due to causes beyond our control. Temporary unavailability of the bank and expired sessions are just two examples of what can go wrong.

Exception Description
IOException Network issue between Kontomatik and bank occurred. For example the bank failed to respond in a timely manner. What to do: retry command that failed up to 3 times, then give up and ask user to try again later.
SessionExpired The session with the online transaction system has expired. What to do: ask the user to try again (show the widget step) and to not use the bank manually at the same time as parallel sessions can kill each other.
ConcurrentSessionsLimitExceed User has not signed out and second session cannot be started until the abandoned one expires. What to do: ask the user to try again (show the widget step) in a few hours.
ServiceTemporarilyUnavailable Online transaction system is temporarily unavailable. What to do: ask the user to try again in a few minutes because his online banking is temporarily unavailable.
ServiceMaintenance Online transaction system under maintenance. What to do: ask the user to try again in a few hours because his online banking is undergoing planned maintenance.

API integration errors

Response (example)

<?xml version="1.0" encoding="utf-8"?>
<reply status="404 Not Found">
  <exception name="InvalidCommandId">
  </exception>
</reply>

If you get one of these errors you should review your API client code for integration issues. These errors can be caused by numerous factors, like passing invalid params or failure to pass all required params.

Exception Description
CommandNotAvailable The command is not available for the selected target
InvalidCommandId Invalid command identifier (e.g. if client keeps polling a command that entered in a final state, after 60 seconds we return InvalidCommandId)
InvalidOwnerExternalId Invalid identifier of the data owner
NotSignedIn Only signed-in user can call the command
AlreadySignedIn You cannot sign-in twice in the same session - start a new session
InvalidIban Invalid bank account number (e.g. empty, incorrect syntax)
InvalidTarget Invalid target identifier
InvalidSessionId Invalid session identifier (e.g. client calls the production endpoint with a session created on the test environment)
InvalidSessionIdSignature One or both of sessionId and sessionIdSignature passed parameters were malformed
InvalidSince Invalid start date
JobsQuotaExceeded Your app has started too many imports simultaneously. What to do: wait for 10-15 seconds to allow some of the imports to finish and resubmit the command. If you get the same error, repeat the process until the command is accepted.

Bugs in Kontomatik

The following should be considered bugs in the Kontomatik Service. Most likely, some edge case condition occured and our software was not prepared for this. Kontomatik should be improved to cover this case. You may want to excuse your user and redirect him to the other path.

In case of a SaaS deployment we will be automatically notified so you don’t have to take any action. In case of self-hosting these errors should be reported to [email protected], attaching the XML reply and logs of the application server.

There are two scenarios to consider:

HTTP response status code >= 500

As with any HTTP service, it is a good practice to properly handle occasional server hard fails like '500 Internal Server Error’ or '503 Service Unavailable’.

Simply check for the HTTP response status code. Of course, don’t assume XML body in this case.

Unexpected async command failure

You will learn about this error after polling for command status and noticing the fatal command state:

Please note that the HTTP response status code will be still '200 OK’ because your query for the command status worked fine. It is only the asynchronous command that failed earlier.

Exception Description
KontoXBug Unhandled condition occured. What to do: in a SaaS deployment you don’t have to do anything. We get notified and you can expect the bug will be resolved in a timely manner. In on-premises deployments you should send us the whole XML response.

Errors caused by the end user

These errors are a “fault” of the end user. The SignIn Widget will handle it by kindly asking the user to resolve the issue and try again. You do not have to do anything.

Exception Description
AccessBlocked Access to the account is blocked. What to do: ask the user to call his bank and unblock his online access.
AccessTemporarilyBlocked Access to the account is temporarily blocked and expected to auto-unlock. What to do: ask the user to try again in a few hours.
ManualActionRequired A manual action in the online transaction system is required (e.g. accepting changes in terms of use). What to do: ask the user to manually log into the bank and take care of all pop-ups, new terms of use etc.
InvalidCredentials End user entered invalid credential. What to do: let the user try again entering credentials.
TargetCredentialsMismatch End user entered credentials that match a different, possibly unsupported, transactional system. For example company credentials are used instead of individual account credentials.
UnsupportedLoginMethod This login scenario is not supported. What to do: ask the user to login in a more standard way.
UnsupportedLanguage The language of the bank UI is not supported. What to do: ask the user to change the bank online UI locale to the default one.
PSD2AuthProcessInterrupted (beta) Indicates that the auth process has been abruptly stopped by an external factor or agent, very often the end user himself: closing the pop-up window, rejecting consents on the bank page or providing bad credentials are common causes of this error.
InsufficientIdentificationLevel The user has opened the account anonymously from his mobile phone and because of this, identification data is missing or cannot be validated. This error can only occur for the target Webmoney_ru.
InvalidCardNumber The error happens during ImportCreditCardTransactions action when the credit card number provided by the user in the curl command is not found.

Advanced API

Tutorial

Please get API access if you haven’t done so already.

Follow this if you need a full control over the data import process and flow. If you just want to get key data quickly see the basic tutorial.

The first step is to embed the SignIn Widget on your website. Kontomatik SignIn widget takes care of asking the end user for bank credentials and logging into the bank on the user’s behalf.

Catalog

Request

curl --get \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "country=pl" \
  --data "favicons=false" \
  https://test.api.kontomatik.com/v1/catalog.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/get_catalog.xsd" status="200 OK">
  <targets>
    <target name="Bos" institution="Bos" officialName="BOŚ Bank" officialUrl="https://www.bosbank.pl/" loginName="Identyfikator" beta="true">
      <commands>
        <command name="EnterCredentialCommand"/>
        <command name="ImportAccountTransactionsCommand"/>
        <command name="ImportAccountsCommand"/>
        <command name="ImportOwnersDetailsCommand"/>
      </commands>
      <favicon imageFormat="image/x-icon">
        AAABAAMAE...AAAAA=
      </favicon>
    </target>
    <!-- ... more targets ... -->
  </targets>
</reply>

Returns a list of supported banks and a list of available commands for each bank.

Both of the supported banks and available commands lists are dynamical, so it is recommended not to hard-code them into the implementation of the client to Kontomatik. The client should request the catalog whenever a list of banks or commands is needed.

HTTP Request

GET /v1/command-catalog.xml

Parameters

Parameter Default Description
country pl Filters banks by the country they operate in. The parameter is case insensitive and uses two letter country codes as defined by the ISO 3166-1 standard. The default value is pl; to display banks available in all supported countries use all value for the parameter.
favicons false Controls whether the catalog should return banks’ favicons. If you are using Kontomatik Sign-in Widget then it is strongly recommended not to use this feature in order to save on bandwith.

Data returned

Description of <target> element:

Attribute Availability Description
country guaranteed country where the bank is located
name guaranteed an internal unique identifier for the following pair: bank and it’s connection interface
institution guaranteed a general identifier of the bank as an institution (Millennium and MillenniumApi target names will share the same institution field - here Millennium)
officialName guaranteed full bank name
officialUrl guaranteed bank web address
loginName possibly none the place holder for first supported login parameter
beta possibly none informing users that this target is either a new introduced target or it is still under development. The client may expect that there can be some flaws in performance. The beta parameter is removed once some time passes and when there has been some significant volume going through a target
psd2 possibly none is a declaration, that in a session with a specific target, Kontomatik acts as AIS (account information services) under regulation of PSD2 directive

Description of <command> element:

Attribute Description
name holds command’s formal name; by searching the catalog you can check if the given functionality (e.g. owners’ details import) is available for a given bank

The <favicon> element is displayed only if the favicons parameter was set to true. The tag holds base64 encoded bytes of the bank’s favicon. The imageFormat attribute indicates the image format of the favicon.

Import Owners (command)

Request

curl \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  https://test.api.kontomatik.com/v1/command/import-owners.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="653643" state="setup" name="ImportOwnersCommand">
  <progress><value>0</value></progress>
  </command>
</reply>

Final result of polling for this command status

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_owners_details.xsd" status="200 OK">
<command id="653643" state="successful" name="ImportOwnersCommand" target="Alior" institution="Alior">
    <progress><value>1</value></progress>
    <result>
      <owners>
        <owner>
          <kind>OWNER</kind>
          <name>Jan Witkacy Kowalski</name>
          <address>Krótka 8, Wąchock</address>
          <polishPesel>82012905123</polishPesel>
          <polishNip>1258882345</polishNip>
          <phone>694234567</phone>
          <email>[email protected]</email>
          <citizenship>Kazakhstan</citizenship>
          <nationality>Polskie</nationality>
          <personalDocumentType>Passport</personalDocumentType>
          <personalDocumentNumber>FGH123456</personalDocumentNumber>
          <birthDate>1960-02-29</birthDate>
          <polishRegon>121260111</polishRegon>
        </owner>
      </owners>
    </result>
  </command>
</reply>

Initiates import of a bank account’s owners and co-owners. The command aims to return all possible details about every owner. In contrast to the import-accounts this command takes data from the global settings/profile rather than from the individual sub-accounts.

The command is asynchronous and it returns command id. Use this call to poll for command status and to fetch results once the command is done.

HTTP Request

POST /v1/command/import-owners.xml

Parameters

Parameter Default Description
sessionId obligatory Session identifier.
sessionIdSignature obligatory Security parameter to prevent session enumeration.

Data returned

Once the command status turns to successful the <result> element will be present containing a list of owners.

See on the right pane how the data structure looks like.

TODO: add missing attributes we support

Data Availability Description
kind guaranteed one of: OWNER, CO_OWNER, COMPANY. OWNER is the natural person shown as the main account owner, for example in the profile page. CO_OWNER is a co-owner of one of the bank accounts with full access to that specific bank account. COMPANY is the legal entity shown as the main account owner.
name guaranteed name (name and surname or company’s name)
address possibly none address of the owner, as presented by bank; if multiple addresses are found (such as permanent address and contact address) the field will contain all of them, in a comma-separated list
polishPesel possibly none Polish PESEL number
polishNip possibly none Polish NIP number
phone possibly none phone
email possibly none e-mail
citizenship possibly none citizenship
nationality possibly none nationality
personalDocumentType possibly none identity document type, as presented by the bank
personalDocumentNumber possibly none identity document number
birthDate possibly none date of birth
polishRegon possibly none Polish REGON number
birthPlace possibly none Place of owner’s birth

Import Accounts (command)

Request

curl \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  https://test.api.kontomatik.com/v1/command/import-accounts.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="653643" state="setup" name="ImportAccountsCommand">
</reply>

Final result of polling for this command status

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_accounts.xsd" status="200 OK">
<command id="653643" state="successful" name="ImportAccountsCommand" target="Alior" institution="Alior">
    <progress><value>1</value></progress>
    <result>
      <accounts>
        <account>
          <name>eKONTO</name>
          <iban>PL32114020040000320250132522</iban>
          <currencyBalance>1467.39</currencyBalance>
          <currencyFundsAvailable>1407.39</currencyFundsAvailable>
          <currencyName>PLN</currencyName>
          <owner>Jan Kowalski, Adam Nowak</owner> <!-- deprecated -->
          <activeSinceAtLeast>2000-02-28</activeSinceAtLeast>
          <directDebit available="true"/>
          <owners>
            <owner>
              <name>Jan Kowalski</name>
              <address>Kwiatowa 8/97 Warszawa  PL</address>
                <kind>OWNER</kind>
            </owner>
            <owner>
               <name>Adam Nowak</name>
               <address>Robocza 1 M.14 Warszawa PL</address>
            </owner>
          </owners>
        </account>
        <!-- ... more accounts ... -->
      </accounts>
    </result>
  </command>
</reply>

Initiates import of bank accounts.

The command is asynchronous and it returns command id. Use this call to poll for command status and to fetch results once the command is done.

HTTP Request

POST /v1/command/import-accounts.xml

Parameters

Parameter Default Description
sessionId obligatory Session identifier.
sessionIdSignature obligatory Security parameter to prevent session enumeration.
fast true Pass false to get a richer data set in some banks. In slow mode you are much more likely to get additional details such as the owner’s address and opening dates of the user’s accounts. Slow mode decreases execution speed but the time overhead is reasonable. Use fast mode only if execution speed is critical for you.

Data returned

Once the command status turns to successful the <result> element will be present containing a list of accounts.

See on the right pane how the data structure looks like.

Data Availability Description
name guaranteed official account name, as shown in the bank’s transaction system
friendlyName possibly none a name assigned by the user for this account
iban guaranteed full account number (with country code for 'true’ IBAN accounts)
currencyBalance guaranteed current account balance in an account’s currency (it can be different than the currency of the country in which the bank is located in)
currencyFundsAvailable available except for exceptional circumstances equals to the balance being at user’s immediate disposal (it can be different than the currency of the country in which the bank is located in). Can be lower than currencyBalance field.
currencyName guaranteed currency symbol, e.g. “PLN”
owner available except for exceptional circumstances (deprecated) name of the owner or owners of the account as supplied by the bank system. The information can be scraped either from account details or from outgoing transfers. The field is filled in more than 99% cases. In rare circumstances it can be empty, e.g. all of the following conditions are satisfied: the bank does not present owner in the account details or profile/settings and there were no outgoing transactions found.
owners available except for exceptional circumstances (beta) structured list of all owners represented as a separate owner tag with name, address and kind of each owner for the given account as supplied by the bank system. For a detailed description of the owner tag element see the relevant information in Data returned in owner tag. The information can originate either from account details or from outgoing transfers. The field is filled in more than 99% of cases. In rare circumstances it can be empty, e.g. all the following conditions are satisfied: the bank does not present owner in the account details or profile/settings and there were no outgoing transactions found.
activeSinceAtLeast available except for exceptional circumstances the date when the account was opened or the date of the oldest transaction found (but not older than a year if searching for older transactions would substantially affect the execution time of the command
directDebit possibly none marks whether the account supports direct debit or not, using a true or false value for the available attribute. Direct debit accounts can be safely selected by lenders as the destination account for the loan transfer, while non direct debit accounts are tipically savings accounts that do not accept direct transfers. If there is not enough data to resolve this field, the tag will not be present.

Data returned in owner tag

Data Availability Description
name available except for exceptional circumstances name of the owner of the account as presented in the online transaction system
address possibly none address of the owner, as presented by the bank; if multiple addresses are found (such as permanent address and contact address) the field will contain all of them, in a comma-separated list
kind possibly none owner type, as presented in the online transactions’ system (e.g. “OWNER/CO-OWNER/COMPANY”)

Import Transactions (command)

Request

curl \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  --data "iban=PL00000000000000000000000000" \
  --data "since=2015-12-01" \
  https://test.api.kontomatik.com/v1/command/import-account-transactions.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="653643" state="setup" name="ImportAccountTransactionsCommand">
    <progress><value>0</value></progress>
  </command>
</reply>

Final result of polling for this command status

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_account_transactions.xsd" status="200 OK">
<command id="653643" state="successful" name="ImportAccountTransactionsCommand" target="Alior" institution="Alior">
    <progress><value>97</value></progress>
    <result>
      <moneyTransactions>
        <moneyTransaction>
          <transactionOn>2012-06-28</transactionOn>
          <bookedOn>2012-06-30</bookedOn>
          <currencyAmount>20.00</currencyAmount>
          <currencyBalance>230.00</currencyBalance>
          <title>Return for beer in a pub</title>
          <party>Jan Kowalski</party>
          <partyIban>PL68249000050000400075212326</partyIban>
          <kind>EXTERNAL INCOMING TRANSFER</kind>
          <status>DONE</status>
          <labels>
            <label><!-- label type --></label>
            <!-- ... more labels ... -->
          </labels>
        </moneyTransaction>
        <!-- ... more transactions ... -->
      </moneyTransactions>
    </result>
  </command>
</reply>

<!-- Partial responses will include this attribute! -->
<moneyTransactions partialDueToTimeout="true">
  <!-- ... transactions ... -->
</moneyTransactions>

Initiates import of transactions for the selected bank account and period.

The command is asynchronous and returns command id. Use this call to poll for command status and to fetch results once the command is done.

HTTP Request

POST /v1/command/import-account-transactions.xml

Parameters

Parameter Default Description
sessionId obligatory Session identifier.
sessionIdSignature obligatory Security parameter to prevent session enumeration.
iban obligatory Full account number of the account for which the list of transactions should be fetched. Preferably, use the iban value returned by the import-accounts command.
since obligatory Start date in YYYY-MM-DD format. Only transactions that occurred on or after the since date will be imported.

Data returned

Once the command status turns to successful the <result> element will be present containing a list of transactions.

See on the right pane how the data structure looks like.

Data Availability Description
transactionOn guaranteed actual transaction date
bookedOn guaranteed transaction’s booking date (sometimes even 10 days after the transactionOn). In exceptional circumstances, transaction date or value date will be assigned to this attribute
currencyAmount guaranteed transaction amount expressed in account’s currency (it can be different than the currency of the country in which the bank is located). The currencyAmount is negative for debit transactions (outgoing amount) and positive for credit transactions (incoming amount).
currencyBalance possibly none account balance expressed in account’s currency
partyIban possibly none full account number of the other party of the transaction; guaranteed for transactions with a non-empty party attribute; always unavailable for certain transactions, e.g. card payments, bank fees and commissions
party possibly none the name of the other party of the transaction; always unavailable for contra-entry type transactions
title possibly none transaction title
kind possibly none transaction type, as presented in the online transaction system (e.g. “INTEREST COMPOUNDING”)
status possibly none (beta) transaction status, can take one of the following values DONE, PENDING, REJECTED, CANCELLED, SCHEDULED, HOLD
labels possibly none list of transaction’s labels. See Transaction labeling for more information

Extra data

The <moneyTransaction> element may be extended in some cases with additional tags. The extra tags may contain PSD2-related information, country-specific parameters or any other details which are not a part of the standard response.

Please see the XML example on the right pane.

Extra data for imports from Czech banks

Data Availability Description
variableSymbol possibly none identifier used for payments in Czech Republic (variabilní symbol)
constantSymbol possibly none identifier used for payments in Czech Republic (konstantní symbol)

Response with extra data

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_account_transactions.xsd" status="200 OK">
<command id="653643" state="successful" name="ImportAccountTransactionsCommand" target="Alior" institution="Alior">
    <progress><value>97</value></progress>
    <result>
      <moneyTransactions>
        <moneyTransaction>
          <!-- ... standard tags ... -->
          <transactionOn>2012-06-28</transactionOn>
          <!-- ... other standard tags ... -->
          <!-- ... extra data - variableSymbol and constantSymbol:
          only for Czech bank accounts -->
          <variableSymbol>1234567890</variableSymbol>
          <constantSymbol>99999</constantSymbol>
        </moneyTransaction>
        <!-- ... more transactions ... -->
      </moneyTransactions>
    </result>
  </command>
</reply>

Import Credit Cards (command)

POST /v1/command/import-credit-cards.xml

Initiates import of credit cards’ details. The command is synchronous and returns the command id. Use this call to poll for command status and to fetch results once the command is done.

Request

curl \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  https://test.api.kontomatik.com/v1/command/import-credit-cards.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="653643" state="setup" name="ImportCreditCardsCommand"/>
</reply>

Final response for this command status (scraper target example)

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_credit_card.xsd" status="200 OK">
<command id="89817419" state="successful" name="ImportCreditCardsCommand">
  <progress><value>2</value></progress>
    <result>
      <creditCards>
        <creditCard>
          <name>Visa</name>
          <cardId>1234 1234 1234 1234</cardId>
          <iban>PL32114020040000320250132522</iban>
          <number>1234 1234 1234 1234</number>
          <currencyBalance>-2467.39</currencyBalance>
          <currencyName>PLN</currencyName>
          <owners>
            <owner>
              <name>Jan Kowalski</name>
              <address>Kwiatowa 8/97 Warszawa  PL</address>
              <kind>OWNER</kind>
            </owner>
            <owner>
               <name>Adam Nowak</name>
               <address>Robocza 1 M.14 Warszawa PL</address>
            </owner>
          </owners>
          <limit>5000.00</limit>
          <interest>20</interest>
          <dueDate>2013-10-26</dueDate>
        </creditCard>
       <!-- ... more credit cards ... -->
       </creditCards>
    </result>
  </command>
</reply>

Final response for this command status (PSD2 API target example)

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_credit_card.xsd" status="200 OK">
<command id="89817419" state="successful" name="ImportCreditCardsCommand">
  <progress><value>2</value></progress>
    <result>
      <creditCards>
        <creditCard>
          <name>Visa</name>
          <cardId>PL32114020040000320250132522</cardId>
          <iban>PL32114020040000320250132522</iban>
          <currencyBalance>-2467.39</currencyBalance>
          <currencyName>PLN</currencyName>
          <owners>
            <owner>
              <name>Jan Kowalski</name>
              <address>Kwiatowa 8/97 Warszawa  PL</address>
              <kind>OWNER</kind>
            </owner>
            <owner>
               <name>Adam Nowak</name>
               <address>Robocza 1 M.14 Warszawa PL</address>
            </owner>
          </owners>
          <limit>5000.00</limit>
          <interest>20</interest>
          <dueDate>2013-10-26</dueDate>
        </creditCard>
       <!-- ... more credit cards ... -->
       </creditCards>
    </result>
  </command>
</reply>
Parameter Default Description
sessionId obligatory Session identifier.
sessionIdSignature obligatory Security parameter to prevent session enumeration.
Data Availability Description
name guaranteed card name, as stated in the bank’s system
cardId guaranteed For screen-scraper targets, the cardId value is equal to the card number; for PSD2 API targets, the cardId value is the IBAN number
iban guaranteed the account number of the bank account linked to this credit card
cardNumber optional card number, as presented in the bank’s system. Vast majority of the banks present credit card number with most significant digits replaced with asterisks, just a few banks present unmasked credit card number.
currencyBalance guaranteed current credit card balance in card’s currency (it can be different than the currency of the country which the bank is located in)
currencyFundsAvailable possibly none the amount of available credit in card’s currency (it can be different than the currency of the country which the bank is located in)
currencyName guaranteed currency symbol, e.g. “PLN”
owner possibly none (deprecated) name of the credit card holder, as presented in the online transaction system
owners possibly none (beta) structured list of all owners represented as a separate owner tag with name address and kind of each owner for the given credit card as supplied by the bank system.
limit possibly none credit limit as a positive number
interest possibly none card’s interest rate, expressed in percentage
dueDate possibly none the day the payment is due; date format: YYYY-MM-DD

Import Credit Card Transactions (command)

POST /v1/command/import-credit-card-transactions.xml

Request

curl \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  --data "since=YYYY-MM-DD" \
  --data "cardId=2345***32" \
  https://test.api.kontomatik.com/v1/command/import-credit-card-transactions.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="653643" state="setup" name="ImportCreditCardTransactionsCommand"/>
</reply>

Final response for this command status

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_credit_card_transactions.xsd" status="200 OK">
  <command id="89817986" state="successful" name="ImportCreditCardTransactionsCommand">
    <progress><value>3</value></progress>
    <result>
      <moneyTransactions>
        <moneyTransaction>
          <transactionOn>2017-08-10</transactionOn>
          <bookedOn>2017-08-11</bookedOn>
          <currencyAmount>-20.00</currencyAmount>
          <currencyBalance>1100.99</currencyBalance>
          <title>Zwrot za Sylwestra</title>
          <party>Jan Kowalski Dunikowskiego 23B, 01-200 Warszawa</party>
          <partyIban>PL83130000002076700146310001</partyIban>
          <kind>PRZELEW ZEWNĘTRZNY</kind>
          <labels>
            <label>internal</label>
          </labels>
        </moneyTransaction>
        <!-- ... more transactions ... -->
      </moneyTransactions>
    </result>
  </command>
</reply>

Initiates import of money transactions associated with a given credit card. The command is synchronous and returns the command id. Use this call to poll for command status and to fetch results once the command is done.

Parameter Default Description
sessionId obligatory Session identifier.
sessionIdSignature obligatory Security parameter to prevent session enumeration.
since obligatory start date in YYYY-MM-DD format, only transactions that occurred on or after the since date will be imported
cardId obligatory identifies the credit card for which the transactions should be fetched. Use the cardId value returned by the import-credit-cards command.
Data Availability Description
transactionOn guaranteed transaction date; in some cases the attribute will be assigned with another date, e.g. currency date
bookedOn guaranteed transaction’s booking date (sometimes even 10 days after the transactionOn); in some cases this field will be assigned with currency date or transaction date if booking date is missing
currencyAmount guaranteed transaction amount in an card’s currency (it can be different than the currency of the country which the bank is located in)
title possibly none transaction title
party possibly none the name of the other party of the transaction
partyIban possibly none full account number of other party of the transaction
kind possibly none type of transaction, just as it is presented in the online transaction system (e.g. “INTEREST COMPOUNDING”)

Sign Out (command)

Request

curl \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  https://test.api.kontomatik.com/v1/command/sign-out.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/layout.xsd" status="200 OK">
</reply>

Synchronous command that logs out of the bank’s transaction system. Given that the bank supports the sign out command, it is advised to log out of the bank’s transaction system once you have imported all data to prevent blocking of the system for the end user.

HTTP Request

POST /v1/command/sign-out.xml

Parameters

Parameter Default Description
sessionId obligatory Session identifier.
sessionIdSignature obligatory Security parameter to prevent session enumeration.

HTTP Response

An empty xml is returned - please see in the right pane what the response looks like.

Cancel command

Request

curl -X POST \
 --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  https://test.api.kontomatik.com/v1/command/YOUR_COMMAND_ID_HERE/cancel.xml

Response

<reply status="202 Accepted">
</reply>

Cancels command execution. The command is asynchronous. If the command is in the in_progress state, it will be cancelled before making another request (still, the current request has to end). A cancelled command cannot be resumed.

Cancelling is useful if it is necessary to provide the user with the ability to stop an action. When a command is cancelled the working thread is released back into the pool, optimizing resource usage.

After cancelling a command it is recommended to create a new session, if the import from a given target is to be continued. Cancelling a command can leave the http agent’s library in an inconsistent state, causing errors while executing other commands within the same session.

HTTP Request

POST /v1/command/COMMAND_ID/cancel.xml

Data

Request

curl --get \
 --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
 --data "ownerExternalId=END_USERS_OWNER_EXTERNAL_ID" \
  https://test.api.kontomatik.com/v1/data.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/get_data.xsd" status="200 OK">  <owner externalId="653643">
    <target name="MBank" officialName="mBank" institution="MBank">
      <owners>
        <owner>
          <name>Jan Kowalski</name>
          <address>Kwiatowa 8/97 Warszawa  PL</address>
          <polishPesel>84011806651</polishPesel>
          <phone>+48612***078</phone>
          <email>[email protected]</email>
          <citizenship>PL</citizenship>
          <personalDocumentType>Identity document</personalDocumentType>
          <personalDocumentNumber>AAB123456</personalDocumentNumber>
          <birthDate>1984-01-18</birthDate>
          <birthPlace>Warsaw</birthPlace>
          <kind>OWNER</kind>
        </owner>
        <!-- ... more owners ... -->
      </owners>
      <accounts>
        <account>
          <name>eKONTO</name>
          <iban>PL32114020040000320250132522</iban>
          <currencyBalance>1467.39</currencyBalance>
          <currencyFundsAvailable>1407.39</currencyFundsAvailable>
          <currencyName>PLN</currencyName>
          <owner>Jan Kowalski, Adam Nowak</owner> <!-- deprecated -->
          <activeSinceAtLeast>2000-02-28</activeSinceAtLeast>
          <owners>
            <owner>
              <name>Jan Kowalski</name>
              <address>Kwiatowa 8/97 Warszawa  PL</address>
              <kind>OWNER</kind>
            </owner>
          </owners>
          <owners>
            <owner>
              <name>Adam Nowak</name>
              <address>Robocza 1 M.14 Warszawa PL</address>
              <kind>CO-OWNER</kind>
            </owner>
          </owners>
          <moneyTransactions>
            <moneyTransaction>
              <transactionOn>2012-06-28</transactionOn>
              <bookedOn>2012-06-30</bookedOn>
              <currencyAmount>20.00</currencyAmount>
              <currencyBalance>443.00</currencyBalance>
              <title>Return for beer in a pub</title>
              <party>Jan Kowalski</party>
              <partyIban>PL68249000050000400075212326</partyIban>
              <kind>EXTERNAL INCOMING TRANSFER</kind>
                <labels>
                  <label><!-- label type --></label>
                  <!-- ... more labels ... -->
                </labels>
            </moneyTransaction>
            <!-- ... more transactions ... -->
          </moneyTransactions>
        </account>
        <!-- ... more accounts ... -->
      </accounts>
    </target>
  </owner>
</reply>

<!-- Partial responses will include this attribute! -->
<account partialDueToTimeout="true">
<!-- account details -->
</account>

Returns all imported and aggregated data associated with the end user identified by an ownerExternalId parameter passed when embedding the Kontomatik Sign-in widget.

Response can take up to several seconds and potentially it may return lots of data (thousands of transactions) depending on the end user’s activity.

HTTP Request

GET /v1/data.xml

Parameters

Parameter Default Description
ownerExternalId obligatory Your identifier for the end user, that you passed as one of the parameters to Kontomatik Sign-in Widget.
only optional Filters the results returned by the data type. You can pass one of the following values: owners, accounts, transactions.

Data returned

Each <target> tag contains all data imported for the end user from a given bank. A sample response is provided on the right pane. If you closely examined the structure of the xml then you probably had noticed that the <target> encapsulates the data structures returned by import accounts and owner details commands. Furthermore, the <account> tag contains a list of transactions associated with the given account.

For a detailed description of data structures encapsulated by the <owners>, <accounts> and <moneyTransactions> tags, please consult the descriptions of the related commands.

Delete data

HTTP Request

DELETE /v1/owner.xml

Request

curl -X DELETE \
 --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
 --data "ownerExternalId=222222" \
https://test.api.kontomatik.com/v1/owner.xml

Response

<reply status="200 OK">
</reply>

Deletes all imported and aggregated data associated with the end user identified by an ownerExternalId parameter passed when embedding the Kontomatik Sign-in widget.

Parameter Default Description
ownerExternalId obligatory Your identifier for the end user, that you passed as one of the parameters to Kontomatik Sign-in Widget.

Health Check

Request

curl --get \
  https://test.api.kontomatik.com/isItWorking

Response

I am working.

Used to ensure that Kontomatik server is up.

This is the only request that does not require the API key.

HTTP Request

GET /isItWorking

Data returned

The request should response with a plain text “I am working.”.

Lending API

Kontomatik offers powerful tools for financial behavior analysis.

Lending API makes it easy to take full advantage of the raw banking data.

The API works on the data you imported earlier. Be sure to import the data first.

Both screen-scraped data and PDF-extracted data are compatible with the lending API.

Scores

Request

curl --get \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "ownerExternalId=END_USERS_OWNER_EXTERNAL_ID" \
  https://test.api.kontomatik.com/v1/owner-scores.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/get_owner_scores.xsd"
  status="200 OK"
  client="fastmoney"
  ownerExternalId="4324-13-14">

  <models>

    <!-- Common model -->
    <model id="common-2018-08-18" retrainedAt="2018-08-20T16:16:45Z">
      <scores>
        <score>
          <!-- 0..1 value representing estimated creditworthiness of an individual (the higher the better) -->
          <value>0.03282</value>
        </score>
        <scorePercentile>
          <!-- 0..1 value representing population percentile (the higher the better) -->
          <value>0.49824</value>
        </scorePercentile>
      </scores>
    </model>

    <!-- Model specific to lender "Fast Money" (just to give an example) -->
    <model id="fastmoney-2018-08-01" retrainedAt="2018-08-14T07:16:45Z">
      <scores>
        <score>
          <!-- 0..1 value representing estimated creditworthiness of an individual (the higher the better) -->
          <value>0.9717</value>
        </score>
        <scorePercentile>
          <!-- 0..1 value representing population percentile (the higher the better) -->
          <value>0.81069</value>
        </scorePercentile>
        <scoreTier>
          <!-- rank of the client -->
          <value>TOP TIER CLIENT</value>
        </scoreTier>
      </scores>
    </model>

  </models>
</reply>

Kontomatik offers a number of high-level scores assessing financial behavior of the loan applicant. Those scores proved to be highly predictive in our cross validation benchmarks.

The primary score (<score>) is a numerical value estimating on a 0..1 scale the creditworthiness of an individual - the higher the better. The score is inversely correlated with the probability of default.

The percentile score (<scorePercentile>) estimates the percentile of population the lendee is better than - the higher the better.

The (lender-specific) tier score (<scoreTier>) estimates the client’s rank according to a particular ranking system agreed upon with the lender, e.g. 'ABCDEF’, '1234’, 'Bronze Silver Gold’ etc.

Kontomatik offers:

Our example lender-specific score achieved Gini 0.56 (AUC 0.78) in our most conservative cross-validation benchmarks.

Usage

Scores are calculated based on bank accounts and transactions already imported within the scope of specific ownerExternalId.

For that reason it is essential to wait for import commands to finish before requesting the score, otherwise the algorithm will work on partial data and produce unreliable results.

HTTP Request

GET /v1/owner-scores.xml

Parameters

Parameter Default Description
ownerExternalId obligatory Your identifier for the end user, that you passed as one of the parameters to Kontomatik Sign-in widget.

Data returned

Critical:

Input Features

Request

  curl --get \
    --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
    --data "ownerExternalId=END_USERS_OWNER_EXTERNAL_ID" \
    https://test.api.kontomatik.com/v1/owner-features.xml

Response

  <?xml version="1.0" encoding="utf-8"?>
  <reply
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/get_features.xsd"
  status="200 OK"
  client="fastmoney"
  ownerExternalId="4324-13-14">

  <models>

    <!-- Common model -->
    <model id="common-2018-08-18" retrainedAt="2018-08-20T16:16:45Z">
      <features>
        <feature id="d4f51702ea" value="-0.43" relevance="0.8" />
        <feature id="59ab5c6f97" value="2.00355" relevance="0.3" />
        <feature id="03d10dbf0a" value="1.932" relevance="1.5" />
        <feature id="ec4207aaf2" value="NaN" relevance="0" />
        <feature id="b31711374c" value="-INF" relevance="-2" />
        <feature id="ddb0ebf93a" value="INF" relevance="5.3" />
        <!-- ...hundreds of features... -->
      </features>
    </model>

    <!-- Model specific to lender "Fast Money" (just to give an example) -->
    <model id="fastmoney-2018-08-01" retrainedAt="2018-08-14T07:16:45Z">
      <features>
        <feature id="d4f51702ea" value="-0.43" relevance="0.8" />
        <feature id="59ab5c6f97" value="2.00355" relevance="0.3" />
        <feature id="03d10dbf0a" value="1.932" relevance="1.5" />
        <feature id="ec4207aaf2" value="NaN" relevance="0" />
        <feature id="b31711374c" value="-INF" relevance="-2" />
        <feature id="ddb0ebf93a" value="INF" relevance="5.3" />
        <!-- ...hundreds of features... -->
      </features>
    </model>

  </models>
</reply>

Kontomatik offers powerful input features for your existing scoring models.

In machine learning a feature is an individual measurable property or characteristic of a phenomenon being observed.

In context of lending features reflect financial behavior of the loan applicant.

Features offered by Kontomatik proved to be highly predictive in our cross validation benchmarks.

Predictive power can be further improved by re-training the model on the lender-specific historical repayment data.

HTTP Request

GET /v1/owner-features.xml

Parameters

Parameter Default Description
ownerExternalId obligatory Your identifier for the end user, that you passed as one of the parameters to Kontomatik Sign-in widget.

Data returned

It is critical to pick specific <model> by id.

Model id stabilizes feature semantics. The same set of features will be present and feature semantics won’t change. With the new model (new id) everything is reset. Lending company must then re-check which features are predictive. New version of the model will offer a new set of features to pick from. Features present in the old version are not guaranteed to be present in the new version. Typically, new model replaces many features with more powerful alternatives.

Model retrainedAt attribute describes the training dataset. The same model can be re-trained on the new dataset (the larger and more current one). Feature set and semantics stay the same. Lending company does not need to take any action when the model is retrained. The timestamp format is ISO 8601.

Every <feature /> contains the following structure:

Data Availability Description
id guaranteed Unique identifier of the feature. It is guaranteed to be stable across model retrains (but not across model versions).
value guaranteed Decimal value of the feature in range <-∞, +∞> inclusive. Possible values are a number, -INF, INF, NaN (see xs:double). The value is standard deviation from the population. Using standard deviation instead of base units allows for the same treatment of all kinds of units like amounts, counters, or ratios. Standard deviations themselves are also normalized (scaled to the same distribution) across all features so they can be treated consistently.
relevance guaranteed Decimal number representing how much the feature influenced the final score of the client; a positive value means that the feature worked in favor of the client repaying, while a negative value means the feature worked in favor of the client defaulting. Only numeric values are possible - NaN or INF are not allowed. Relevance “0” means the feature did not influence the outcome at all.

How to use features in existing scoring model?

Kontomatik publishes hundreds of features that can be potentially predictive in your context (your customers and your scoring model).

You are not expected to understand semantics of individual features published by Kontomatik. Please do not attempt to apply domain expert knowledge to manually assess and combine Kontomatik features into your scoring model.

The correct approach is to test all features on your real world loans using your existing scoring model.

Once predictive and independent features have been identified, apply them to your scoring model along your own input features.

Our data scientists can guide you through the process.

Transaction Labeling

<moneyTransactions>
  <moneyTransaction>
    <!-- ...transaction details... -->
    <labels>
      <label>monthly</label>
      <label>repayment</label>
    </labels>
  </moneyTransaction>
  <moneyTransaction>
    <!-- ...transaction details... -->
    <labels>
      <label>health</label>
    </labels>
  </moneyTransaction>
  <moneyTransaction>
    <!-- ...transaction details... -->
    <labels>
      <label>gambling</label>
    </labels>
  </moneyTransaction>
  <moneyTransaction>
    <!-- ...transaction details... -->
    <labels>
      <label>loan</label>
    </labels>
  </moneyTransaction>
  <!-- ... more transactions ... -->
</moneyTransactions>

Labels provide additional data about transactions and help put together a comprehensive view of the customer’s financial status.

Using the meta data contained in labels, it is possible to gauge trends and metrics across various dimensions such as revenue, loans, lifestyle, healthcare spending, recurrent money obligations and others. Identifying complex risk conditions such as gambling or internal transfers between the user’s accounts becomes a matter of simply reading a red flag label.

We developed the feature by consulting with lenders and with a focus on risk assessment. Thus transaction labels are significantly different from categories, which classify transactions from the end user’s perspective.

HTTP Request

If the feature is activated for your account the transactions will simply be labeled. There is no labeling API call.

Labels will be present in the result of any command that returns transactions such as default-import or import-transactions. For optimal results it is best to fetch all of the owner’s data. This way, the full context of the user’s transactions and accounts will be available to the labeling engine.

Data returned

The following table describes the currently supported labels. Please note that we have not deemed it necessary to mark transactions as income or spending. This basic distinction can be made based on the negative or positive value of <currencyAmount> field.

Technical

label direction description
internal both transactions between person’s own accounts (self-to-self) or within the immediate family (same surname)
monthly both transactions that occur monthly around the same date
overdraft expense user has withdrawn more money than the account holds
verification both transactions which serve to prove user’s identity or account ownership, typically with a very small nominal amount like 1 EUR or 0.01 EUR

Compensation

label direction description
salary income transfer from a company to an individual on the basis of an employment contract
compensation income widely understood compensation, including all cases where individual receives money from a company, such as on the basis of a B2B contract; compensation is wider than salary
pension both payments of retirement money received from the state
extra pay income transfer of money from a company to an individual which is more then regular salary, such as overtime payments, discretionary bonuses, and also reimbursements for work travel expenses; in case of a joint payment (e.g. salary + overtime), use both salary and extra pay labels. Do not confuse with salary and invoice
regular wage income another recurring revenue

Debt

label direction description
loan income transactions indicating a loan from a lending company or a bank; the label covers payday loans, consumer loans etc; does not cover: mortgage or leasing-related transactions
mortgage both transactions indicating a mortgage repayment
leasing both transactions indicating a leasing repayment; often involves a car leasing
repayment expense repayment of a debt, such as loan installment or credit card debt
invoice both all incoming (mostly for companies) invoices, but also outgoing payments (often for phone and internet and tv)
bailiff expense transactions that are executed by bailiffs or enforcement agents following a court decision and without any action from the account owner
debt collection both voluntarily repayment of debt to specialized debt collection companies

State

label direction description
welfare income any kind of social security - money received from the state, private charities and NGOs; income from alimony
500+ income specific welfare benefit granted in Poland for every next child under 18
tax both income tax (PIT), property tax, capital gain tax, interest tax (in Poland: “Belka”), excise, duty, value added tax (VAT), state social insurance (in Poland: ZUS), inheritance tax, and any other form of taxation. Transactions with this label are usually expense transactions, but they could also represent income.

Cash

label direction description
cash withdrawal expense physical cash withdrawal from a bank machine (ATM) or bank branch
cash deposit income physical cash deposit via bank machine (ATM) or bank branch

Lifestyle

label direction description
nightlife expense pubs and cocktail bars, night clubs, gentlemen clubs
uberlike and taxi both taxis, taxi-like services (ex. Uber, Taxify, Lyft), carpooling services (ex. BlaBlaCar) and car rentals
tobacco expense indicates products boght in specialized tobacco shops (only for Spain)
gambling both online gambling and betting, lottery tickets, city casinos, and other forms of gambling; it can also mark income transactions, ex. gambling gains
alcohol expense spirits and liquor stores, online alcohol shops
beauty expense cosmetics, pharmacy, perfume shops, barber and hair dresser, manicure and pedicure salons, basic hygiene expenses; does not cover: apparel
culture expense events, concerts, museums, cinema, theaters, festivals, escape rooms, zoo visits, and similar; does not cover: transport/traveling that requires tickets
insurance expense mandatory or optional insurance of any type
payment processor expense the label identifies a method of payment over the internet typically involving online card payment or a payment processor like PayPal, PayU, DotPay, Allegro, DialCom24

Living

label direction description
rent both payment of rent for house, apartment, student housing etc; also receiving money for renting out to someone
utilities expense basic utilities like electricity, gas, water, heating, garbage collection; does not cover: TV, phone, internet, rent
phone expense mobile, landline
internet and tv expense internet and TV bills
fee expense bank and other financial fees; most often relatively small amount; does not cover: fines and tickets
grocery expense grocery stores, discount stores, supermarkets
eating out expense bars, restaurants, cafes, bistros, fast food restaurants; does not cover: pubs, cocktail bars, night clubs
children both children-related expense and income; toys, accessories and clothes for babies, toddlers and young teenagers, children stores, kindergarten and pre-school payments, primary school books and expenses; does not cover: higher education, university fees, specialised trainings and courses e.g. photography school
alimony both incoming and outgoing alimony transactions (children-related)
healthcare expense medication, doctor and dentist visits, medical diagnosis, hospital bills, treatment bills, rehabilitation bills; does not cover: beauty procedures, SPA, and similar
car expense fuel, parking, insurance, repairs, car accessories, road taxes, tickets and other car related expenses
public transport expense public transport tickets and fees
apparel expense clothes, shoes, handbags, etc
refurbishment expense construction, furniture, interior design and household appliances
return both money returned because of overpayment (ex. tax returns) or consumer goods returned at the store; also includes insurance compensation
e commerce expense buying stuff online, for example amazon, aliexpress, allegro
electronics expense consumer electronics, all physical and online stores, which have selling electronics as their primary business, for example media markt; also includes repair services and gadget shops; may be combined with phone label if it is clear that the purchased piece of electronics was in fact a phone; does not cover: Allegro, Ebay, Aliexpress, and similar, when there is not enough information about what was actually bought does not confuse: with internet and tv (when buying a TV, use only electronics label), utilities (electronics does NOT refer to electricity bills).

Aggregated Values

Request

curl --get \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "ownerExternalId=END_USERS_OWNER_EXTERNAL_ID" \
  --data "periodMonths=6" \
  https://test.api.kontomatik.com/v1/aggregates.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/aggregates.xsd" status="200 OK">
<owner externalId="123456">
    <target name="MBank">
      <accounts>
        <account>
          <iban>PL49114020040000350243107620</iban>
          <activeSinceAtLeast>2014-03-03</activeSinceAtLeast>
          <currencyName>PLN</currencyName>
          <owner>Jan Kowalski</owner>
          <!-- Additional aggregates when labeling is turned on -->
          <salaryAmountAverage>2300.00</salaryAmountAverage>
          <compensationAmountAverage>2300.00</compensationAmountAverage>
          <welfareAmountAverage>500.00</welfareAmountAverage>
          <loanAmountAverage>800.00</loanAmountAverage>
          <mortgageAmountAverage>0.00</mortgageAmountAverage>
          <leasingAmountAverage>0.00</leasingAmountAverage>
          <repaymentAmountAverage>650.00</repaymentAmountAverage>
          <loanCompaniesCount>3</loanCompaniesCount>
          <months>
            <month date="2014-03">
              <daysInMonth>31</daysInMonth>
              <withdrawalsCount>2</withdrawalsCount>
              <withdrawalsTotal>32.50</withdrawalsTotal>
              <depositsCount>2</depositsCount>
              <depositsTotal>32.50</depositsTotal>
              <balance>64.50</balance>
              <balanceAverage>24.50</balanceAverage>
              <positiveBalanceAverage>24.50</positiveBalanceAverage>
              <negativeBalanceAverage>-24.50</negativeBalanceAverage>
              <maxBalance>90.50</maxBalance>
              <minBalance>-90.50</minBalance>
              <!-- Aggregates specific to Poland -->
              <polishZusTransactionsCount>1</polishZusTransactionsCount>
              <polishZusTransactionsTotal>10000.00</polishZusTransactionsTotal>
              <polishUsTransactionsCount>1</polishUsTransactionsCount>
              <polishUsTransactionsTotal>10000.00</polishUsTransactionsTotal>
              <!-- Additional aggregates when labeling is turned on -->
              <salaryAmountTotal>2300.00</salaryAmountTotal>
              <compensationAmountTotal>2300.00</compensationAmountTotal>
              <welfareAmountTotal>500.00</welfareAmountTotal>
              <loanAmountTotal>600.00</loanAmountTotal>
              <mortgageAmountTotal>0.00</mortgageAmountTotal>
              <leasingAmountTotal>0.00</leasingAmountTotal>
              <repaymentAmountTotal>1200.00</repaymentAmountTotal>
              <loanCompaniesCount>2</loanCompaniesCount>
            </month>
            <!-- ...more months... -->
          </months>
        </account>
      </accounts>
    </target>
  </owner>
</reply>

Calculates and returns aggregates for end-user identified by ownerExternalId parameter passed when embedding the Kontomatik Sign-in widget.

Imported data is grouped by accounts and a monthly summary statistics is calculated (i.e. number of withdrawals, balance average) for each of the accounts.

The length of the period for which the aggregates are calculated is determined by the value of periodsMonth parameter.

This command does not import any data by itself, it just uses data imported by other commands for a given end-user (i.e. import accounts, import-transactions commands).

HTTP Request

GET /v1/aggregates.xml

Parameters

Parameter Default Description
ownerExternalId obligatory Your identifier for the end-user, that you passed as one of the parameters to Kontomatik Sign-in widget.
periodMonths obligatory Period in months that the aggregates will be calculated for, including current month.

Data returned

See on the right pane what the data structure looks like.

Each <target> element contains a collection of accounts opened in a given bank (name attribute holds an Kontomatik’s internal code for the bank). The aggregates are grouped by an account and a month. The <account> tag contains some basic information about the account (for description of the data please consult the summary of import accounts command). Each <month> tag encapsulates the following elements:

Data Availability Description
daysInMonth guaranteed number of days in a given month
withdrawalsCount guaranteed total number of withdrawals from the account
withdrawalsTotal guaranteed value of all withdrawals from the account
depositsCount guaranteed total number of deposits in an account
depositsTotal guaranteed value of all deposits in an account
balance available except for exceptional cases account balance at the end of month
balanceAverage available except for exceptional cases average monthly account balance
positiveBalanceAverage possibly none average account balance for days with balance over 0 monetary units
negativeBalanceAverage possibly none average account balance for days with balance below 0 monetary units
maxBalance available except for exceptional cases maximum daily closing balance in a given month
minBalance available except for exceptional cases minimum daily closing balance in a given month
polishZusTransactionsCount possibly none total number of transactions from/to Polish Social Insurance Institution (ZUS)
polishZusTransactionsTotal possibly none net value of all transactions from/to Polish Social Insurance Institution (ZUS)
polishUsTransactionsCount possibly none total number of transactions from/to Polish Internal Revenue Service
polishUsTransactionsTotal possibly none net value of all transactions from/to Polish Internal Revenue Service

Labeling Aggregates

When Transaction Labeling feature is turn on, additional aggregates will be provided.

Concerning <account>:

Data Availability Description
salaryAmountAverage when labeling on average amount of transactions labeled as salary
compensationAmountAverage when labeling on average amount of transactions labeled as compensation
welfareAmountAverage when labeling on average amount of transactions labeled as welfare
loanAmountAverage when labeling on average amount of transactions labeled as loan
mortgageAmountAverage when labeling on average amount of transactions labeled as mortgage
leasingAmountAverage when labeling on average amount of transactions labeled as leasing
repaymentAmountAverage when labeling on average amount of transactions labeled as repayment
loanCompaniesCount when labeling on a total count of every loan company recognized on this account

Concerning <month>:

Data Availability Description
salaryAmountTotal when labeling on total amount of transactions labeled as salary in a given month
compensationAmountTotal when labeling on total amount of transactions labeled as compensation in a given month
welfareAmountTotal when labeling on total amount of transactions labeled as welfare in a given month
mortgageAmountTotal when labeling on total amount of transactions labeled as mortgage in a given month
loanAmountTotal when labeling on total amount of transactions labeled as loan in a given month
leasingAmountTotal when labeling on total amount of transactions labeled as leasing in a given month
repaymentAmountTotal when labeling on total amount of transactions labeled as repayment in a given month
loanCompaniesCount when labeling on a total count of every loan company recognized in a given month

How to

This section addresses the topic of how to customize your import flow or achieve specific goals with Kontomatik.

Programmers who want to learn the about full potential of the API, improve the UX or fine-tune a Kontomatik integration are strongly advised to read further.

Import multiple banks

Kontomatik lends itself perfectly to fetching data from multiple online banking accounts. Let’s assume your end user has many accounts and you would like to import them all.

The flow goes like this:

Fetch auto-imported data visible in Insight

Kontomatik offers a zero-integration solution for manual risk-assessment.

To use Insight, developers just need to enable auto-import flag in the Widget and pass an externalOwnerId parameter to identify the end user. When the user signs into a bank, Kontomatik executes a default-import command automatically and pushes the report to the Insight dashboard application. The report will be visible to any authorised staff in the client organisation.

While this flow provides excellent input for human review, you may also want to download and process data automatically. In such case:

You’re done!

Receive digitally signed responses

Request

curl -i --header "Accept-Signature: SHA256withRSA" https://test.api.kontomatik.com/isItWorking

Response

HTTP/2 200
date: Mon, 22 Jul 2019 08:33:49 GMT
content-type: text/plain; charset=utf-8
signature: keyId="/lFnNTJnq5TpDe/wETLXGfdoVN4=",algorithm="SHA256withRSA",headers="",signature="Ivoy+iAygdWCDCtr7GZZVRiozjsHaenwYrqcovMe5LBueiDgNsPzxi9respDKLaLmjFTH2s1BEsjOXfvJIvsX9Rba8xy0hoz/nfpm/RS47cSAJKux6Aq1Esl6efFzLJwPPvOpUccI3D9GHB+gdPBJOgWHrLHZaIcv4Oh2QdO7hVyqEOEP3+MwQo71uX+nPwbrvx39QX2t1dmUQyOFCDbf8+Ea5t4WKnm3kq8ybEriRPfKtOkFWK9juaHP6YjdGfUxGH6Z3vXSrLU+CPw5KeBylWQoOtYEm1osaI0PaPgMheT2ooeV/y4kfe2gBujh+HmlrGvsI1hdTe0VH1yA4fZBQ=="
cache-control: no-cache
x-frame-options: DENY
x-content-type-options: nosniff
strict-transport-security: max-age=31536000

Kontomatik can send digitally signed responses to prove authenticity and message integrity.

To elicit a signed response, an Http request must have an Accept-Signature header with value SHA256withRSA.

In the response you will receive a Signature header with the following values:

Field Description
keyId A calculated ID of the public RSA key of Kontomatik
algorithm Algorithm used to calculate the signature. Currently only SHA256withRSA is supported.
headers Comma separated list of headers considered in the signature. For now, the list is empty.
signature Signature after Base64 encoding

Kontomatik public RSA key is available here.

Signature calculation

To sign a response, Kontomatik builds a byte sequence containing data in this order:

The byte sequence is signed using SHA256withRSA and the resulting signature data is base64-encoded.

The final base64-encoded value is assigned to the signature field of the Signature response header.

KeyId calculation

This section details the algorithm used by Kontomatik to calculate the keyId value. The keyId could be useful if Kontomatik publishes multiple keys. In this case, the keyId would allow clients to determine which public key must be used to verify a response.

Here is the pseudocode version of the algorithm to create the keyId:

Verify a digitally signed response

The following is an example how to verify a digitally signed response from Kontomatik.

Please go to a directory of your choice and store the Kontomatik public key in a file named kontomatik.pub.

$ curl https://get.kontomatik.com/keys/kontomatik.pub -o kontomatik.pub

Send a request to Kontomatik service and save the response body to a file. Use -D option to save the response headers into another file.

$ curl -s -H "Accept-Signature: SHA256withRSA" -D headers.txt -o response.txt https://test.api.kontomatik.com/isItWorking

Use the following to extract and decode signature value from the Signature response header:

$ sed -En 's/^signature: .*signature="([^"]*).*/\1/p' headers.txt | base64 --decode > signature.data

Now we can verify the response body using the signature data and public key of Kontomatik:

$ openssl dgst -sha256 -verify kontomatik.pub -signature signature.data response.txt

The output should be Verified OK.

Testing

Kontomatik offers mock responses for all commands in all banks. To test your integration with our service, you can create a mock session manually or automatically.

Create a test session manually

To create a mock session manually, select the target in the SignIn Widget and provide the following credentials:

In exceptional cases:

By using test credentials the session gets internally marked as a testing session and example (hardcoded) data are returned instead of connecting to banks. An Http request to the bank is neverteless made, to check connectivity.

It is also possible to mark “Test credentials” checkbox on the bank selection list; in this case you can use an arbitrary login string as the first credential. Please note this option is available only for selected clients.

Create a test session (command)

POST /v1/test-session.xml

To enable automatic testing, Kontomatik also provides a mechanism to obtain an already-authenticated mock session. This command bypasses the manual login flow described above.

Request

curl \
  --header "X-Api-Key: YOUR_LONG_API_KEY_HERE" \
  --data "target=pko" \
  --data "sessionIdSignature=true" \
  https://test.api.kontomatik.com/v1/test-session.xml
Parameter Default Description
target obligatory internal name of the banking target, as supplied by the Catalog command
ownerExternalId optional associates all imported data with the user (i.e. application number)
sessionIdSignature optional a boolean flag, true by default, to determine whether Kontomatik will create and return a signature for the sessionId identifier

Getting help

Reporting issues

Aggregating account information is tough. The specifics of how data services work in each bank, the myriad types of accounts and authentication paths, the unexpected pitfalls and tendency of bank websites to change without warning - all require special maintenance efforts that scale up in proportion to coverage.

Despite this, over the years Kontomatik quality has nicely increased.

However, errors in the operation of the application may still occur, which is normal in this case due to the circumstances described above. As a user you must be aware of this.

Before reporting a problem, please remember that:

Integration examples

The following unofficial projects offer additional help to developers looking to integrate Kontomatik API.

Kontomatik-help-kit simplifies the process of manually importing data from terminal, using curl. The kit contains a index.html page embedding the Sign-In Widget and simple shell scripts which build and submit the Http requests corresponding to the main API methods.

KontomatikServiceDemo is an example web application with a backend Kontomatik API client implemented in .NET.

Kontomatik-widget-android-poc is an example where we explore the general concept of displaying Kontomatik Widget in native mobile applications. The example focuses on the simplest and effective way of displaying Widget through the use of WebView, which is an embeddable browser that a native application can use to display content.

PSD2 Transition Period

New Targets

During transition period Kontomatik will steadily connect to banks in Europe via API interfaces. Kontomatik will return data under different targets depending on the type of connection - Screen Scraping or PSD2 API. Therefore we introduced a notion of institution, which is described more precisely in institution description.

code