wallis.XS2A-API

With XS2A you get regulated access to payment accounts of the Sparkassen according to PSD2.

This page is provided by Wallis GmbH on behalf of Finanz Informatik for the German Sparkassen-Finanzgruppe. Here you can find information about the XS2A interface of the Sparkassen.

The most important at a glance

Here you can find all important points of our XS2A API at a glance.

Your most important features

Payment account connectivity

Thanks to PSD2, you can access personal and business checking accounts with online banking access with the consent of the account holders.

Retrieval of account lists

Depending on the account type, you receive the IBAN, account currency and the institution-specific product name of the account as well as the turnover. Posted balances are transferred to you with currency and date.

Query period > 90 days

Under certain conditions, the call-off may provide you with sales that are older than 90 days - separate customer consents may have to be obtained for this.

Trigger payments

You submit payment orders for single, collective, real-time and forward transfers via the XS2A interface.

380

XS2A gives you access to the payment accounts of around 380 Sparkassen and Landesbanken as well as Weberbank.

50 Mio

In total, around 50 million current accounts are managed by the members of the Sparkassen-Finanzgruppe (incl. accounts without online banking access).

Exemption from provision of emergency mechanism

The XS2A interface of the savings banks offers the a high level of reliability. The dedicated interface of the savings banks and Landesbanken meets the requirements of Article 33(6) of Delegated Regulation (EU) 2018/389. The savings banks and Landesbanken have therefore been exempted from providing a contingency mechanism in terms of Article 33(4).

To use the API you must meet the following requirements:
  • To access savings bank accounts as a Third Party Provider (TPP), you must have a PSD2 license issued by a competent supervisory authority. In Germany, the locally competent supervisory authority is the Federal Financial Supervisory Authority (BaFin).

  • If you have received a PSD2 license from another local supervisory authority within the European Union, you need a so-called passporting to be allowed to use this license in Germany as well.

  • You need an EIDAS certificate, which is used for identification. Bundesdruckerei is a possible so-called Trust Center, which issues both the test and the real certificates for access to the XS2A interfaces to authorized TPPs.