ING Home'Bank — OpenBanking & API Integration Solutions

Protocol reverse engineering, PSD2 / OAuth2 authorization implementation, instant payments and account aggregation with runnable API delivery

Starting at $300
OpenData · OpenBanking · PSD2 · Protocol Analysis

Securely connect ING Home'Bank's core capabilities to your platform

We provide end-to-end technical solutions for Home'Bank: session and SCA authorization, secure token refresh, account and card transactions capture, instant transfers (Alias Pay / real-time clearing), card tokenization and digital wallet integration, with compliance and privacy in mind.

Account Aggregation & Transaction Sync — aggregate balances, transactions, pending items, and settlements, with paging and time filters.
Initiate Real-Time Payments — real-time domestic transfers (Alias Pay / real-time clearing), QR payments, and payment requests integration.
Identity & Transaction Authentication — OAuth2.0 / OIDC, strong customer authentication (SCA), biometric and app-based authorization simulation and implementation.
Card Management & Wallet — virtual card generation, card limits and risk settings, and on-chain wallet integration (Google Pay / Tokenization).
Get a plan View Deliverables

Deliverables & Examples

Standard Deliverables

  • Protocol analysis report (authentication, session management, API / network flow)
  • OpenAPI / Swagger specifications
  • Runnable source code (Node.js / Python) including login, token refresh, transaction sync and payment initiation modules
  • SDK and sample clients (curl, Postman, lightweight backend sample)
  • Automation tests and acceptance criteria with compliance notes (GDPR, local retention)

Example: Query Transactions

# POST /api/v1/ing/transactions
# Authorization: Bearer <ACCESS_TOKEN>
{
  "account_id": "ACC12345678",
  "from_date": "2025-09-01",
  "to_date": "2025-09-30",
  "type": "ALL",
  "page": 1,
  "page_size": 200
}

Response: {
  "status": "OK",
  "transactions": [
    {"id":"TXN001","date":"2025-09-05","amount":-1200.00,"desc":"NEFT Transfer","currency":"EUR"},
    {"id":"TXN002","date":"2025-09-10","amount":5400.00,"desc":"Salary Credit","currency":"EUR"}
  ],
  "next_page": null
}

Typical Integration Scenarios

Account sync, batch statements, live payment initiation, card management, transaction risk analytics, and 3D Secure push/ SCA automation.

API Integration Quick Guide

  1. Provide target App name (e.g., ING Home'Bank) and required use cases (account sync, payments, card management).
  2. If you have enterprise credentials or a sandbox, provide Sandbox / Client ID / Redirect URI (we can assist with application and config).
  3. Confirm compliance scope: PSD2 AIS/PIS, EU user scope (GDPR), etc.
  4. We perform protocol analysis (2–5 business days) and deliver interface design and quotes; client confirms before development (3–12 business days).
  5. Deliverables include source code, OpenAPI docs, deployment and operations guidance, plus compliance recommendations.

Compliance & Security

All work is based on client authorization or public/licensed APIs. We provide data minimization, encryption in transit, audit logs and privacy guidance; NDA and compliance assessments available on request.

About Us

We are a studio focused on App protocol analysis and OpenData/OpenBanking integration. Our team comes from fintech, banking and mobile app security backgrounds, delivering compliant API implementations with runnable code and documentation.

  • Cross-platform protocol analysis and SDKs for Android/iOS
  • OpenAPI documentation, sample code and deployment guidance
  • Compliance-first: GDPR, local privacy regulations and auditing guidance
  • Transparent pricing: starting at $300; pay upon delivery/acceptance

Contact Us

Ready to start? Submit your target App name and integration requirements via our contact page:

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📱 Original App Description (ING Home'Bank) — Expanded View

At ING we believe your bank must be simple and intuitive, our life being complex enough. It is not only about the money, but also about the freedom of accessing them securely, wherever you are.

You can open your online current account if you are a Romanian citizen, 18+, with a permanent address in Romania and a valid ID card. You may have a joint account for family expenses. Your kids can also get a current account and card with you in full control. Instant personal needs loans, credit cards and overdrafts are accessible. You can simulate the eligibility for a mortgage loan. You protect your loved ones with life, health, or salary insurance. You can access term deposits and savings accounts. You can issue virtual cards and add them to Google Pay, and invest in mutual funds. FX is available at better rates.

All financial chores become simple with Home'Bank, with an intuitive interface, fast access and well-thought functions meant to help you. You are in full control of your money on your phone, which becomes a trusted device: authenticate without SMS once the device is registered; login via password only; push notifications for 3D secure payments, and for all operations from your current accounts. Enable geolocation to help detect fraudulent activity from foreign geographies in Home’Bank. You decide where you shop, with offers from over 100 partners and cash-back. Payment options include Alias Pay (payments based on phone number), pay with your phone via Android Pay, pay invoices with Scan & Pay, and real-time transfers to other banks via instant payment. You can send payment requests from your phonebook and receive a payment notification in Home’Bank.

Original source: ING Home'Bank app store entry (summary). This text is for technical integration reference.