Open Banking API
Welcome to the Zilverline Open banking API.
Functionality
MT940 conversionThis API provides the ability to convert a MT940 file to a JSON file according to the NextGenPSD2 format.
The MT940 of the following banks are supported:
ABN Amro, ASN, Bunq, Deutsche Bank, ING, Knab, Rabobank, Regiobank, SNS Reaal, Triodos, van Lanschot
This API provides the ability to convert a CAMT.053 XML file to an JSON file according to the NextGenPSD2 format.
NextGenPSD2 formatThe NextGenPSD2 format used by this API is essence the same format as described in the NextGenPSD2 Implementation Guidelines of The Berlin Group (an European standards initiative). The format is modified only by removing fields which aren't used and adding fields to supply extra information (like the raw MT940 / CAMT.053 data).
Please see the JSON Format Reference page for the exact details of the NextGenPSD2 format.
About
MT940
Message Type 940 is the SWIFT standard (Banking Communication Standard) for the electronic transmission of account statement data. In various online banking programs, MT940 is used as an interface to other programs (e.g. for accounting), with which the account statement data are processed further.
CAMT.053
CAMT is an ISO 20022 Payment Message definition that stands for Cash Management and specifically covers Bank to Customer Cash Management reporting.
CAMT.053 is a Bank to Customer Statement, essentially providing you with a prior or previous day statement of your account. It will indicate all entries booked to the account for the previous business day. CAMT.053 is an updated and standardised version of the MT940 and prior-day BAI2 bank statement formats. Click here to learn more about the differences of other CAMT formats, like CAMT.052 and CAMT.054.
MT940 conversion
Request
To upload MT940 files for conversion, upload it using a multipart/form-data HTTP POST request.
| URL |
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|---|---|---|---|---|---|---|---|
| Headers |
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| Body |
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Click on a tab below to view example code snippet for uploading a MT940 file in the specified code language.
Authorization: Bearer YOUR_ACCESS_TOKEN
Content-Type: multipart/form-data; boundary=a9214f8d
Content-Length: 3539
--a9214f8d
Content-Disposition: form-data; name="tamper_protection"
1
--a9214f8d
Content-Disposition: form-data; name="file"; filename="ing.txt"
Content-Type: text/plain
<< MT940 data >>
--a9214f8d--curl
curl --location --request POST 'https://openbanking.zilverline.com/mt940' \
--header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
--form 'tamper_protection="1"' \
--form 'file=@"/Users/user/Documents/ing.txt"'Java (OkHttp)
OkHttpClient client = new OkHttpClient().newBuilder()
.build();
MediaType mediaType = MediaType.parse("text/plain");
RequestBody body = new MultipartBody.Builder().setType(MultipartBody.FORM)
.addFormDataPart("tamper_protection","1")
.addFormDataPart("file","ing.txt",
RequestBody.create(MediaType.parse("application/octet-stream"),
new File("/Users/user/Documents/ing.txt")))
.build();
Request request = new Request.Builder()
.url("https://openbanking.zilverline.com/mt940")
.method("POST", body)
.addHeader("Authorization", "Bearer YOUR_ACCESS_TOKEN")
.build();
Response response = client.newCall(request).execute();Python (requests)
import requests
url = "https://openbanking.zilverline.com/mt940"
payload={'tamper_protection': '1'}
files=[
('file',('ing.txt',open('/Users/user/Documents/ing.txt','rb'),'text/plain'))
]
headers = {
'Authorization': 'Bearer YOUR_ACCESS_TOKEN'
}
response = requests.request("POST", url, headers=headers, data=payload, files=files)
print(response.text)Node.js (axios)
var axios = require('axios');
var FormData = require('form-data');
var fs = require('fs');
var data = new FormData();
data.append('tamper_protection', '1');
data.append('file', fs.createReadStream('/Users/user/Documents/ing.txt'));
var config = {
method: 'post',
url: 'https://openbanking.zilverline.com/mt940',
headers: {
'Authorization': 'Bearer YOUR_ACCESS_TOKEN',
...data.getHeaders()
},
data : data
};
axios(config)
.then(function (response) {
console.log(JSON.stringify(response.data));
})
.catch(function (error) {
console.log(error);
});Response
Whenever you make an HTTP request to the API, the response will contain a JSON array with one or multiple objects (a success response), or a JSON object with "tppMessages" key (an error response).
CAMT.053 conversion
Request
To upload CAMT.053 XML files for conversion, upload it using a multipart/form-data HTTP POST request.
| URL |
|
||||||
|---|---|---|---|---|---|---|---|
| Headers |
|
||||||
| Body |
|
Click on a tab below to view example code snippet for uploading a CAMT.053 XML file in the specified code language.
Authorization: Bearer YOUR_ACCESS_TOKEN
Content-Type: multipart/form-data; boundary=a9214f8d
Content-Length: 3539
--a9214f8d
Content-Disposition: form-data; name="tamper_protection"
1
--a9214f8d
Content-Disposition: form-data; name="file"; filename="rabobank.xml"
Content-Type: text/xml
<< CAMT.053 XML data >>
--a9214f8d--curl
curl --location --request POST 'https://openbanking.zilverline.com/camt053' \
--header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
--form 'tamper_protection="1"' \
--form 'file=@"/Users/user/Documents/rabobank.xml"'Java (OkHttp)
OkHttpClient client = new OkHttpClient().newBuilder()
.build();
MediaType mediaType = MediaType.parse("text/plain");
RequestBody body = new MultipartBody.Builder().setType(MultipartBody.FORM)
.addFormDataPart("tamper_protection","1")
.addFormDataPart("file","rabobank.xml",
RequestBody.create(MediaType.parse("application/octet-stream"),
new File("/Users/user/Documents/rabobank.xml")))
.build();
Request request = new Request.Builder()
.url("https://openbanking.zilverline.com/camt053")
.method("POST", body)
.addHeader("Authorization", "Bearer YOUR_ACCESS_TOKEN")
.build();
Response response = client.newCall(request).execute();Python (requests)
import requests
url = "https://openbanking.zilverline.com/camt053"
payload={'tamper_protection': '1'}
files=[
('file',('rabobank.xml',open('/Users/user/Documents/rabobank.xml','rb'),'text/xml'))
]
headers = {
'Authorization': 'Bearer YOUR_ACCESS_TOKEN'
}
response = requests.request("POST", url, headers=headers, data=payload, files=files)
print(response.text)Node.js (axios)
var axios = require('axios');
var FormData = require('form-data');
var fs = require('fs');
var data = new FormData();
data.append('tamper_protection', '1');
data.append('file', fs.createReadStream('/Users/user/Documents/rabobank.xml'));
var config = {
method: 'post',
url: 'https://openbanking.zilverline.com/camt053',
headers: {
'Authorization': 'Bearer YOUR_ACCESS_TOKEN',
...data.getHeaders()
},
data : data
};
axios(config)
.then(function (response) {
console.log(JSON.stringify(response.data));
})
.catch(function (error) {
console.log(error);
});Response
Whenever you make an HTTP request to the API, the response will contain a JSON array with one or multiple objects (a success response), or a JSON object with "tppMessages" key (an error response).
Example success request/response
An HTTP response with status code 200 OK indicates the request was successful.
curl -X POST https://openbanking.zilverline.com/mt940 -H "Authorization: Bearer YOUR_ACCESS_TOKEN" -F 'tamper_protection="1"' -F 'file=@"knab.txt"'In this example request/response, we've used the following example MT940 file; knab.txt
HTTP/1.1 200 OK
Content-Type: application/json; charset=utf-8
X-Request-Id: a9214f8d-3424-4321-a69a-00ffcb6e9bf7[
{
"account": {
"bic": "KNABNL2H",
"iban": "NL92KNAB0123456789",
"bban": "123456789",
"currency": "EUR"
},
"balances": [
{
"balanceAmount": {
"currency": "EUR",
"amount": "0.00"
},
"balanceType": "openingBooked",
"referenceDate": "2014-10-24"
},
{
"balanceAmount": {
"currency": "EUR",
"amount": "1010.00"
},
"balanceType": "closingBooked",
"referenceDate": "2014-10-27"
}
],
"transactions": {
"booked": [
{
"bookingDate": "2014-10-24",
"valueDate": "2014-10-24",
"transactionAmount": {
"currency": "EUR",
"amount": "1000.00"
},
"debtorName": "BEDRIJF VOF",
"debtorAccount": {
"iban": "NL26ABNA0999999999",
"bban": "999999999",
"currency": "EUR"
},
"remittanceInformationUnstructured": "REK: NL26ABNA0999999999/NAAM: BEDRIJF VOF",
"additionalInformation": "OVERIGE",
"bankTransactionCode": "NTRF",
"providerSpecificData": {
"bankName": "KNAB",
"bankReference": "ABC9886658908791",
"customerReference": "NONREF",
"mt940": ":61:1410241024C1000,NTRFNONREF//ABC9886658908791\n:86:REK: NL26ABNA0999999999/NAAM: BEDRIJF VOF"
}
},
{
"bookingDate": "2014-10-24",
"valueDate": "2014-10-24",
"transactionAmount": {
"currency": "EUR",
"amount": "10.00"
},
"debtorName": "STICHTING DERDEN JAAP JANSSEN",
"debtorAccount": {
"iban": "NL76INGB0444444444",
"bban": "444444444",
"currency": "EUR"
},
"remittanceInformationUnstructured": "DIT IS EEN OMSCHRIJVING DIE BEST WEL LANG ISREK: NL76INGB0444444444/NAAM: STICHTING DERDEN JAAP JANSSEN",
"additionalInformation": "OVERIGE",
"bankTransactionCode": "NTRF",
"providerSpecificData": {
"bankName": "KNAB",
"bankReference": "AB1211111111111",
"customerReference": "NONREF",
"mt940": ":61:1410241024C10,NTRFNONREF//AB1211111111111\n:86:DIT IS EEN OMSCHRIJVING DIE BEST WEL LANG ISREK: NL76INGB0444444444/NAAM: STICHTING DERDEN JAAP JANSSEN"
}
}
]
}
}
]An HTTP response with status code 200 OK indicates the request was successful.
curl -X POST https://openbanking.zilverline.com/camt053 -H "Authorization: Bearer YOUR_ACCESS_TOKEN" -F 'tamper_protection="1"' -F 'file=@"rabobank.xml"'In this example request/response, we've used the following example CAMT.053 XML file; rabobank.xml
HTTP/1.1 200 OK
Content-Type: application/json; charset=utf-8
X-Request-Id: a9214f8d-3424-4321-a69a-00ffcb6e9bf7[
{
"account": {
"iban": "NL44RABO0123456789",
"bban": "123456789",
"currency": "EUR"
},
"balances": [
{
"balanceAmount": {
"currency": "EUR",
"amount": "56878.47"
},
"balanceType": "openingBooked",
"referenceDate": "2019-03-12"
},
{
"balanceAmount": {
"currency": "EUR",
"amount": "99880.01"
},
"balanceType": "closingBooked",
"referenceDate": "2019-03-12"
}
],
"transactions": {
"booked": [
{
"entryReference": "7375",
"endToEndId": "20198iijvhe3574",
"bookingDate": "2019-03-12",
"valueDate": "2019-03-12",
"transactionAmount": {
"currency": "EUR",
"amount": "43001.54"
},
"debtorName": "OBAR Holding",
"debtorAccount": {
"bic": "RABONL2U",
"iban": "NL72RABO0104510633",
"bban": "104510633"
},
"debtorAgent": "RABONL2U",
"remittanceInformationUnstructured": "periode 2019-03 FACT9iiAB86",
"bankTransactionCode": "541",
"providerSpecificData": {
"bankName": "RABOBANK",
"bankReference": "11207400299:CI07CT"
}
}
]
}
},
{
"account": {
"iban": "NL72RABO0104510633",
"bban": "104510633",
"currency": "EUR"
},
"balances": [
{
"balanceAmount": {
"currency": "EUR",
"amount": "10698.15"
},
"balanceType": "openingBooked",
"referenceDate": "2019-03-12"
},
{
"balanceAmount": {
"currency": "EUR",
"amount": "10589.14"
},
"balanceType": "closingBooked",
"referenceDate": "2019-03-12"
}
],
"transactions": {
"booked": [
{
"entryReference": "7401",
"endToEndId": "DEB1199264123875995996465",
"bookingDate": "2019-03-12",
"valueDate": "2019-03-12",
"transactionAmount": {
"currency": "EUR",
"amount": "-109.01"
},
"creditorName": "Rabobank BenS",
"creditorAccount": {
"bic": "RABONL2U",
"iban": "NL94RABO0104510625",
"bban": "104510625"
},
"creditorAgent": "RABONL2U",
"remittanceInformationUnstructured": "889920190301",
"bankTransactionCode": "064",
"providerSpecificData": {
"bankName": "RABOBANK",
"bankReference": "15198258444:DR02DT"
}
}
]
}
}
]Error response
An HTTP response with status code 4xx or 5xx indicates there was an error while processing the request.
The response body will contain extra information about the error.
The following examples are from an attempted MT940 conversion but are very similar as CAMT.053 conversion.
Request (error) example
curl -X POST https://openbanking.zilverline.com/mt940 -H "Authorization: Bearer YOUR_ACCESS_TOKEN" -F 'file=@"bad.txt"'In this example request/response, we've used a .txt file with some garbage contents; bad.txt
Response (error) example
HTTP/1.1 400 Bad Request
Content-Type: application/json; charset=utf-8
X-Request-Id: a9214f8d-3424-4321-a69a-00ffcb6e9bf7{
"tppMessages": [
{
"category": "ERROR",
"code": "INVALID_FILE_CONTENT",
"text": "Bad or corrupt data specified in 'file' parameter"
}
]
}