TBC Bank API & Open Banking Integration

Accounting and ERP sync

A business in Georgia needs to sync TBC current-account and card transactions into accounting software or ERP. Our delivered API provides account-statement and account-movements endpoints (aligned with TBC DBI or Open Banking patterns). Data maps to OpenBanking: structured debits, credits, dates, and balances. Flow: TBC-authorized client → SCA/consent → API (e.g. api.tbcbank.ge or dbi.tbconline.ge) → export to accounting; duplicate detection and categorization can be applied downstream.

Multi-bank aggregation (Georgia)

A user or business wants to see TBC accounts alongside Bank of Georgia (BOG), Liberty Bank, or other Georgian banks in one dashboard. We deliver a consent-based API that returns balances and transaction lists. This fits PSD2-style Account Information Services: multiple banks in one view. Fields: accounts[], balances[], transactions[] with standard identifiers; consent limited to e.g. 4 accesses per 24 hours where applicable.

Compliance and audit

An auditor or compliance team needs exportable transaction and statement records for a given period. Our implementation can expose statement and movements endpoints with date filters. Response includes amounts, dates, and booking status—aligned with National Bank of Georgia (NBG) expectations and PSD2/GDPR for data handling and audit trails.

Expense and card reporting

A finance team needs card transaction data for expense categorization and reporting. We deliver an API that returns card transaction list with date and booking-status filters. Use: dashboards, policy checks, and integration with expense tools without sharing raw credentials.

Cash-flow and reporting dashboards

A treasurer aggregates balances and transaction summaries from TBC for cash-flow visibility. Data flow: authorized API → ingestion layer → storage → dashboard; compliant with consent and minimal retention. Supports JSON/CSV export for internal reporting and aligns with Open Data portability.

Deliverables

• API specification (OpenAPI / Swagger)
• Protocol and auth flow analysis (OpenID Connect, mTLS, token)
• Runnable API source code (Python / Node.js) for statement, movements, card transactions
• Test scripts and interface documentation
• Compliance notes (PSD2, GDPR, Georgian law, consent, retention)

Example: account statement (pseudo)

// Example: get account statement (pseudo)
GET /v1/accounts/{accountId}/statement
Authorization: Bearer <ACCESS_TOKEN>
Query: from_date, to_date

Response: {
  "opening_balance": 15000.00,
  "closing_balance": 14200.00,
  "total_debits": 1200.00,
  "total_credits": 400.00,
  "currency": "GEL"
}

Example: account movements (pseudo)

// Example: get account movements (pseudo)
GET /v1/accounts/{accountId}/movements
Authorization: Bearer <ACCESS_TOKEN>
Query: from_date, to_date, limit=700, offset

Response: {
  "transactions": [
    { "id": "m1", "date": "2025-03-10", "amount": -120.50,
      "description": "Utility payment", "balance_after": 14200.00 }
  ],
  "total_count": 42
}

Example: auth and error handling (pseudo)

// Auth: OpenID Connect / mTLS (pseudo)
POST https://api.tbcbank.ge/auth/token
Content-Type: application/json
(mTLS for non-auth endpoints)

Response 200: { "access_token": "...", "expires_in": 3600 }
Response 401: { "error": "invalid_grant" }
Response 429: { "error": "rate_limit", "retry_after": 60 }

Compliance & privacy

We work from client authorization or official/authorized APIs and follow privacy and local regulations. Georgia is aligning with PSD2 (Directive 2015/2366/EU) through its EU Association Agreement; TBC Bank has implemented Account Information Service (AIS) APIs with Strong Customer Authentication (SCA). We align with GDPR and Georgian data protection law; TBC’s privacy policy covers consent, data usage for account and payment processing, and user rights. All implementations we deliver support consent records, minimal data retention, and secure transmission (e.g. mTLS, JWS where required).

Data flow / architecture

A typical pipeline we design: (1) Client app (TBC Mobilebank or your front-end)—user consents and triggers requests. (2) Ingestion / API layer—our delivered service authenticates (e.g. OpenID Connect, mTLS), validates scope, and calls TBC’s APIs (sandbox: test-api.tbcbank.ge, production: api.tbcbank.ge) or DBI (dbi.tbconline.ge) where applicable. (3) Storage or cache (optional)—for aggregation or reporting. (4) Output—JSON/API to your accounting software, dashboard, or analytics. Logs and consent are retained for audit.

Market positioning & user profile

TBC Bank targets B2C and B2B customers in Georgia and beyond. It is the largest bank in Georgia by assets (31.7 billion GEL, 39.11% market share), with 5.9 million digital monthly active users as of 2024 and a target of 7 million. The app is available on Android (com.icomvision.bsc.tbc) and iOS. In the same market, Bank of Georgia (BOG) and Liberty Bank are key competitors; TBC’s developer portal (3,000+ partners, 19+ million API operations monthly) supports e-commerce, QR payments, exchange rates, and Open Banking AIS—integration work can complement accounting, aggregation, and dashboards used by businesses and consumers.

About us

We are a technical studio focused on app interface and authorized API integration. We deliver protocol analysis, Open Data integration, third-party integration, and automated scripting plus API documentation. Services start at $300; we can deliver first and you pay when satisfied.

• Experience in fintech and mobile apps
• Android and iOS; ready-to-use API source and docs
• Transparent pricing; result-first option

Contact

For inquiries, quotes, or to send your target app and requirements:

Contact us

Process

1. Confirm needs: app name (TBC Bank / TBC Mobilebank) and integration scope (statement, movements, card transactions, balances).
2. Protocol analysis and API design (2–5 days, depending on scope).
3. Development and validation (3–8 days).
4. Delivery of docs, samples, and tests (1–2 days).
5. Typical first delivery: 5–15 business days.

FAQ

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Compliance and privacy?