While it&#x27;s against most bank TOS, that clause has been ruled uncompetitive and therefore void by courts. As far as I know there is only a single German bank (DKB) that officially cooperates and gives them API access. For the rest they use web scraping, the banks are not allowed to (intentionally) break it.<p>The banks don&#x27;t like that payment processor and therefore just started a competitor where you only give your credentials to your bank. Hopefully it gains traction.