Finastra Open API

Finastra Open API is a set of publicly available RESTful APIs published by Finastra, covering the major product areas of its financial technology platform: retail banking, corporate banking, payments, lending, and treasury. Finastra serves over 8,500 financial institutions globally, and these APIs expose the same core financial services infrastructure its enterprise clients run on.

The APIs follow RESTful conventions with JSON payloads and standard HTTP status codes, making them accessible to any development team with REST integration experience. Authentication is handled via OAuth 2.0. The specifications are distributed under Apache License 2.0, allowing commercial use without licensing fees, though production access to Finastra's live services requires a separate Finastra agreement.

For teams building in the FinTech space or within banking and financial services, Finastra Open API provides a path to integrating proven financial services functionality without building it from scratch.

Banking: Retail banking APIs cover account origination, balance enquiry, transaction history, and customer onboarding. Corporate banking APIs extend this to multi-entity account structures, corporate payments, and cash pooling.

Payments: Payment APIs support domestic and cross-border transactions across multiple rails including SWIFT, SEPA, and faster payments schemes. They cover payment initiation, status tracking, and reconciliation, supporting both batch and real-time payment architectures.

Lending: Lending APIs cover the full loan lifecycle: origination, underwriting data submission, credit decisioning, approval workflows, disbursement, and repayment tracking.

Treasury: Treasury APIs expose cash flow visibility, liquidity management, and FX exposure data, supporting corporate treasury teams and the systems integrators building their tooling.

All Finastra APIs use OAuth 2.0 for authentication, with access tokens scoped to specific API surfaces. This aligns with standard enterprise API security practices and integrates with most identity providers and API gateway configurations.

Financial applications built on Finastra APIs inherit the compliance posture of Finastra's underlying platform, which is designed to meet financial industry regulations across multiple jurisdictions. Development teams should assess their own regulatory obligations, particularly around data residency, PSD2 compliance in Europe, and applicable regional banking regulations.

The most common patterns are embedded finance (inserting Finastra-powered financial services into non-bank products), channel banking (building web or mobile banking front-ends on top of core banking APIs), and back-office integration (connecting existing systems to Finastra's payment or treasury services via API rather than proprietary batch interfaces).

The RESTful design means integration follows the same patterns as any HTTP API: libraries in any language can consume the endpoints, standard API gateways can manage authentication and rate limiting, and CI/CD pipelines can include API contract testing. Teams building these integrations as part of a broader custom software development engagement benefit from the well-documented, standards-based interface Finastra provides.

Finastra provides a developer portal at developer.finastra.com where teams can browse API documentation, view endpoint specifications, and apply for sandbox access to test integrations before going live. The portal includes interactive API explorers and code samples in multiple languages.

The GitHub repository contains OpenAPI specification files for each API, useful for generating client SDKs, importing into Postman or Insomnia, and running contract validation in CI pipelines. For teams evaluating whether Finastra's APIs are the right fit for a specific financial product build, starting a conversation with an engineering partner experienced in financial services integrations can accelerate the assessment.