Spectre API —
bank feed API, that provides software developers with an easy and
secure possibility to integrate customer financial data within their
Finext White Label — a solution, that includes personal finance manager (PFM), omnichannel e-banking, online client support, and a wide range of analytical tools, that open new possibilities for targeted marketing and sales.
Spectre API is a global innovative financial data aggregation service. We employ cutting-edge technologies in order to retrieve financial data and deliver it to clients applications in a simple, standardized format. You can read more about us here.
Spectre API drives innovations that transform experiences for our clients worldwide, including personal financial management (PFM), accounting, banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms and other business clients. Spectre API was created by developers for developers. Our clean and easy-to-use JSON API lets you focus on delivering great features. Forget about the headaches with inconsistent APIs – connect and start providing more value to your customers in less than 5 minutes. Check out our Guides and API reference.
Spectre API supports 2511 financial institutions (banks, credit organizations and other).
Please start by requesting a demo of the desired product. We've compiled and are constantly updating an extensive detailed Guide and API Reference to make the integration process as easy as possible. In case you are not able to locate anything in the Documentation, feel free to use the Contact Us form to get in touch with our helpful support team, or drop an email to email@example.com .
We aim to provide our customers with competitive prices on the Services we offer. Spectre API will send you a monthly invoice for all Customer Data API & Services. Prior to submitting your order you will have the opportunity to review service price and any applicable fees. You can read more about our pricing and payment requirements in our Terms of Service.
In order to start testing Spectre API, you have to send a demo-request and then you will be contacted by our representative with further instructions.
Please check the Before going Live guide where you can find all the requirements you have to meet to upgrade your account.
You can use Spectre services whether you have a web, mobile, desktop app or all of them. We have developed iOS and Android SDKs to make the integration process for mobile apps much easier and smooth. Learn more about it from our docs: https://docs.saltedge.com/v3_apps/guides/mobile_sdks/.
We have developed our own Connect Page to which you can redirect your end users from web, mobile and desktop apps effortlessly. You can create your own connect page and link it directly to our API as well.
Yes, it does. Spectre API supports MFA, e.g. hardware tokens, SMS codes, mobile OTPs, CAPTCHA-s and anti-phishing pictures.
Yes, your users can automatically import financial data from more than 2000 banks, e-wallets and other financial institutions all around the world. See the full list of supported countries and providers here: Countries. We support bank statements file import in such formats as XLS, CSV, OFX, QIF, SWIFT and others. Furthermore your customers can make a suggestion to add new financial institutions by submitting a request form. We are constantly extending our list of supported providers, adding new banks on a weekly basis.
There may be some cases when the bank server is temporarily unavailable or provider is changing its interface or some other issue may occur that triggers the said error. For troubleshooting any issues related to internet banking feature we have created the Salt Edge Q&A Platform. On the Salt Edge Forum your customers would be able to find answers to common questions, or solutions to their problems. Users can also suggest feature ideas or share general feedback. In case your customer will have an issue with a bank account, transaction, or other information that require some confidential data which cannot be posted on the forum, he can contact us using the Contact form and our Customer Support team will get back to him as soon as possible. If the issue occurs on the Connection Stage, your customers can get in touch with our Support team directly using "Report a problem" form. Read more about our Q&A Platform here.
No, it doesn’t. Customer takes all the responsibility for using Spectre (check End Users License Terms).
There are several technologies used for data aggregation: screen scraping, direct connect via OFX protocol, direct connect via HBCI protocol, connection to OAuth-supporting providers and file import. Thus, the bank’s agreement is not required.
By default Spectre API returns the last 2 months of account and transactions history.
Depends on the provider and the amount of imported data. Usually it takes from several seconds to a couple of minutes.
Yes, it does.
Depends on the complexity of the changes that were made in bank’s interface. Usually the adjustments are made within few hours.
First you have to submit a bank request, then we analyze the possibility of integrating the suggested bank. The answer is positive if there are no technical impediments for its implementation and you are ready to assist us by joining New Banks Integration Program.
Yes, it is.
Yes, it can be done for all providers that don’t require MFA and can be refreshed automatically.
Didn’t find an answer to your question? Contact us at firstname.lastname@example.org