What is the open claude skill?

It is a skill that reads bank account balances and transactions from EU/UK banks via the open-banking.io PSD2 API, without eIDAS certificates or an AISP licence.

Which banks does it support?

It supports EU/UK banks that are reachable through the open-banking.io PSD2 API.

Do I need eIDAS certificates or an AISP licence?

No. The skill works without eIDAS certificates or an AISP licence.

What can I ask the agent to do with it?

You can ask it to check balances, list recent transactions, categorise spending, or reconcile payments across European bank accounts.

open-banking.io

SkillCommerce & finance

The open claude skill is a skill that reads bank account balances and transactions from EU/UK banks through the open-banking.io PSD2 API. It lets an AI agent check balances, list recent transactions, categorise spending, and reconcile payments across European bank accounts. It works without eIDAS certificates or an AISP licence.

Use open-banking.io in Claude, ChatGPT or Ahel Desktop

Free. Sign in, add open-banking.io and connect your AI. About a minute.

Claude ChatGPT Ahel Desktop

Also: Claude Code · Cursor · Codex

Then ask your AI: use the open-banking.io skill

Details

Instructions available. Your AI can read the instructions. Execution depends on the setup they require.

Account requirements not reviewed. Check the skill instructions before use; ahel provides instructions and does not run this skill.

No other account needed.

Have an open-banking.io account and API credentials ready.

open-banking.ioStart free

What your AI can do with it

Read account balances from EU/UK banks via open-banking.io
List recent transactions for connected bank accounts
Categorise spending from transaction data
Reconcile payments across European bank accounts

Getting started

Have an open-banking.io account and API credentials ready.
Add the skill to your agent's skill set or configuration.
Configure the skill with your open-banking.io API credentials.
Ask the agent to check balances, list transactions, categorise spending, or reconcile payments.

What this skill tells your AI

The instructions your AI receives, as published by davila7/claude-code-templates in cli-tool/components/skills/open-banking-io/open-banking-io/SKILL.md and read by ahel’s review.

Self-serve PSD2 bank-data API for EU/UK accounts: accounts, balances and transactions behind a single API key — no eIDAS QWAC/QSealC certificates required. Part of the open-banking.io service (skills repository, MIT).

When to use

"What's my balance on ?"
"Summarise last month's transactions" / "How much did I spend on groceries?"
"Which of my bank connections need re-consent?"
Reconciling invoices/payments against bank statement lines

Tool surface

Prefer the official MCP server (read-only tools: list_accounts, get_balances, get_transactions, list_connections): open-banking-io/mcp-server

Direct REST works too: GET /accounts, GET /accounts/{id}/balances, GET /accounts/{id}/transactions.

Quick start

# 1. Sign up at https://open-banking.io (free tier) and get an API key
# 2. Connect a bank (consent flow) — EU/UK, ~600+ institutions
# 3. Read data
curl -H "Authorization: Bearer $OPEN_BANKING_IO_KEY" \
  "https://api.open-banking.io/accounts"

PSD2 quirks worth knowing

Consents expire (~90 days by default; some banks cap at 90 days, some 120+) — plan re-consent reminders.
Transactions come back as interimBooked (pending) and booked — pending rows flip to booked with the SAME transaction id; treat it as an update, not a new row.
Unattended fetch rates are capped per bank (~4 pulls/day typical) — budget polling accordingly.

Signals

GitHub stars: 32k
Forks: 4k
Last commit: Oct 2026

ahel review

K2info
exfiltration

Automated review, not a security audit. Ruleset v1+k2.

Questions

What is the open claude skill?: It is a skill that reads bank account balances and transactions from EU/UK banks via the open-banking.io PSD2 API, without eIDAS certificates or an AISP licence.
Which banks does it support?: It supports EU/UK banks that are reachable through the open-banking.io PSD2 API.
Do I need eIDAS certificates or an AISP licence?: No. The skill works without eIDAS certificates or an AISP licence.
What can I ask the agent to do with it?: You can ask it to check balances, list recent transactions, categorise spending, or reconcile payments across European bank accounts.

Advanced

Item type: skill
Key: open-banking-io
Source: github.com/davila7/claude-code-templates

github.com/davila7/claude-code-templates