Empowering your platforms with secure, reliable, and PSD2-compliant protocol analysis and Open Data APIs for Romania’s premium digital banking network.
Unlock the robust financial data housed within the YOU BRD application. We specialize in Open Banking integrations, offering deep protocol analysis and ready-to-use APIs. From retrieving up to 13 months of transaction history to executing instant interbank payments (under 20 seconds) and SEPA transfers, our solutions bridge the gap between BRD’s secure mobile ecosystem and your corporate backend.
Retrieve raw JSON or CSV data containing up to 13 months of payment and revenue history. This detailed feed empowers enterprise accounting software (like ERP systems) to automatically reconcile thousands of daily operations without manual input.
Execute instant interbank transfers limited to 50,000 Lei within 20 seconds, alongside broad SEPA and non-SEPA payment initiation. Integrators can trigger payouts, vendor payments, or peer-to-peer transfers programmatically.
Leverage YOU BRD’s robust biometric login logic. We analyze the secure token exchange used during fingerprint or facial recognition, enabling your app to securely connect to a user’s internet banking service without storing plain text credentials.
Tap into live BRD exchange rates to buy, sell, or convert currencies. This API interface is crucial for multinational businesses managing foreign payouts or wealth apps optimizing currency spread.
Access the bill-payment schedules and one-click payment execution endpoints. Ideal for personal finance management (PFM) apps tracking recurring household expenses and utility outgoings.
Sync data surrounding 100% online account creations—including savings accounts and term deposits (which offer bonus 0.50% interest)—to build holistic user wealth profiles across multiple banking institutions.
Based on the app’s capabilities, here is the granular data we can expose securely for your business workflows:
| Data Type | Source Interface | Granularity | Typical Business Use Case |
|---|---|---|---|
| Transaction History | Account Dashboard | 13 months, timestamped, categorized | Automated ERP reconciliation, accounting software sync |
| Account Balances | Portfolio View | Real-time, cross-currency (RON, EUR, USD) | Multi-banking dashboards, credit risk scoring |
| Transfer Status | Payment Gateway | Instant (under 20s), SEPA clearing status | Vendor payout confirmation, payroll execution |
| Foreign Exchange Rates | FX Module | Live bid/ask rates for multiple fiat pairs | Treasury management, multi-currency optimization |
| Beneficiary Lists | Transfer Settings | Saved national and international payees | Streamlined invoicing, CRM contact matching |
Business Context: A multinational company needs real-time visibility into their RON, EUR, and USD accounts held at BRD without manually logging into the web portal.
Data & API Used: Real-time Account Balances API, 13-month Statement Export.
OpenFinance Value: Automates cash flow forecasting and consolidates liquidity management across various European banking providers.
Business Context: A fintech app aggregating user wealth needs to import daily spending from BRD customers.
Data & API Used: Secure Biometric Auth Token Sync, Transaction History feed.
OpenFinance Value: Provides end-users with a holistic view of their finances, categorizing grocery, utility, and entertainment expenses instantly.
Business Context: An e-commerce marketplace needs to distribute funds to local Romanian sellers instantaneously.
Data & API Used: Instant Interbank Transfer API (up to 50k Lei limits), Beneficiary Management.
OpenFinance Value: Reduces payment friction, ensuring sellers receive funds in under 20 seconds, thus improving platform loyalty and trust.
Business Context: A digital lender requires verified income and expense data to approve micro-loans rapidly.
Data & API Used: 12-month Official Statement Retrieval API, Revenue History.
OpenFinance Value: Replaces manual PDF uploads with a secure, instant Open Data connection, drastically lowering default risks and speeding up loan approvals.
Our deliverables include clean, well-documented source code (Node.js/Python) mimicking YOU BRD’s secure app protocols.
POST /auth/v1/biometric/login Content-Type: application/json Device-ID:{ "auth_type": "FINGERPRINT", "device_signature": "ab82...f93e", "user_identifier": "brd_user_992" } // Returns: { "access_token": "ey...", "refresh_token": "...", "expires_in": 3600 }
Securely exchanges the biometric handshake payload for a valid session token.
GET /api/v2/accounts/RO99BRDE.../transactions?months=13¤cy=RON Authorization: Bearer// Response Payload: { "total_records": 450, "transactions": [ { "tx_id": "TX-991203", "amount": -150.00, "currency": "RON", "type": "UTILITY_PAYMENT", "timestamp": "2026-03-15T14:30:00Z" } ] }
Retrieves categorized payment and revenue data with pagination.
POST /api/v2/transfers/instant Authorization: BearerIdempotency-Key: req-55a2-b911 { "beneficiary_iban": "RO49TREZ...", "amount": 2500.00, "currency": "RON", "details": "Invoice Payment #8831" } // Returns: { "status": "PROCESSING", "estimated_clearance": "18s" }
Executes a national beneficiary transfer under the 20-second instant payment protocol.
Operating within the European Union means strict adherence to data protection laws. Our integration strategies for YOU BRD are built around robust compliance frameworks.
We ensure all protocol analyses respect the **PSD2 (Revised Payment Services Directive)** guidelines, specifically acting as technical enablers for AISP (Account Information Service Providers) and PISP (Payment Initiation Service Providers) flows. All data extraction methods enforce **GDPR** compliance, utilizing explicit user consent tokens and implementing strict data minimization and retention policies.
Our solutions are designed for seamless, secure data ingestion without disrupting existing architectures. A typical data pipeline involves:
YOU BRD is a dominant player in the Romanian digital banking sector, serving over 1.7 million active users. It caters primarily to retail customers and small-to-medium enterprises (SMEs).
As part of the wider Romanian financial ecosystem—alongside competitors like Revolut, BT Pay (Banca Transilvania), and George by BCR—YOU BRD stands out with its 100% online account creation and instant payment network integrations. The app is heavily utilized on both Android and iOS platforms, making cross-platform protocol compatibility a critical requirement for any aggregator.
Visual reference of the YOU BRD interface targeted for protocol analysis and data extraction.
We are a specialized technical service studio focusing entirely on App interface integration and authorized API development for global clientele. With years of hands-on experience in the fintech sector, mobile app reverse engineering, and Open Data protocols, we bridge the gap between closed ecosystems and modern enterprise needs.
Our team intimately understands the security paradigms of banking apps worldwide. We provide compliant, scalable, and fully documented source code that allows your business to rapidly deploy OpenBanking features without spending months on R&D.
Submit your requirements today to receive a free technical consultation and customized pricing quote.
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YOU BRD is the new digital banking platform launched by BRD - Groupe Société Générale, designed to offer individuals in Romania an intuitive and secure mobile banking experience. With a strong focus on usability and security, the app has rapidly grown its user base to over 1.7 million.
The platform integrates seamless daily banking features with advanced security protocols, allowing users to manage their wealth entirely from their smartphones. In addition, the YOU BRD application functions as the core authentication device for the broader internet banking service.