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Enable Banking is a free third-party provider that allows you to connect European bank accounts to Sure using PSD2 open banking standards. It supports thousands of banks across the EU.

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How it works

Enable Banking uses the PSD2 open banking framework to securely access your bank data:
  1. Select your bank from the list of supported institutions
  2. Authorize Sure to access your account through your bank’s authentication flow
  3. Sure syncs your account balances and transactions
  4. Data is refreshed periodically to keep your information current
All authentication happens directly with your bank. Enable Banking and Sure never see your banking credentials.

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Supported regions

Enable Banking supports banks across the European Union and EEA countries. You can query available banks by country code (e.g., “GB”, “DE”, “FR”).

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Setting up Enable Banking

To connect your European bank accounts:
  1. Obtain an Enable Banking application ID and client certificate from Enable Banking
  2. In Sure, configure your Enable Banking credentials
  3. Select your country and bank from the available options
  4. Complete the authorization flow with your bank
  5. Sure will create a session and begin syncing your accounts

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Features

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Account access

  • Account details: View account information including IBAN and account type
  • Balance information: Real-time balance data from your bank
  • Transaction history: Import historical transactions with date range filtering
  • Multiple accounts: Connect multiple accounts from different banks

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Session management

Enable Banking uses sessions to maintain access to your accounts:
  • Sessions are valid for 90 days from creation
  • You can revoke access at any time by deleting the session
  • Sessions automatically refresh to keep data current

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Transaction filtering

When syncing transactions, you can:
  • Filter by date range (from/to dates)
  • Only booked transactions are imported (pending transactions are excluded)
  • Paginate through large transaction sets using continuation keys

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Duplicate transaction handling

Enable Banking implements intelligent deduplication to prevent duplicate transactions: Content-based deduplication:
  • The API sometimes returns the same transaction multiple times with different entry_reference IDs
  • Sure uses a composite key to identify true duplicates based on transaction content:
    • Transaction ID (when available)
    • Date (booking_date or value_date)
    • Amount
    • Currency
    • Credit/debit indicator (CRDT/DBIT)
    • Creditor and debtor information
    • Remittance information
    • Transaction status
How it works:
  • When multiple transactions have identical content, only the first occurrence is kept
  • This prevents API-level duplicates while preserving legitimately distinct transactions
  • The credit_debit_indicator is included to distinguish between payments and refunds of the same amount on the same day
[!NOTE] When transaction_id is nil for multiple transactions, pure content comparison applies. In rare cases, this could theoretically collapse two genuinely distinct transactions with identical fields, but this trade-off prevents the more common issue of API-level duplicates.

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Supported account types

Enable Banking supports both personal and business accounts:
  • Personal accounts: Standard consumer bank accounts
  • Business accounts: Business banking accounts (specify psu_type: "business")

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API reference

For technical details about the Enable Banking API, see the official documentation.

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Limitations

  • Only supports banks in EU/EEA countries
  • Requires PSD2-compliant banks
  • Session validity is limited to 90 days
  • Subject to Enable Banking API rate limits
  • Some banks may have additional authentication requirements