Enable Banking

Connect European bank accounts using PSD2 open banking

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.

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.

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”).

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 Enable Banking, link your bank account to the application
3. In Sure, configure your Enable Banking credentials
4. Select your country and bank from the available options
5. Complete the authorization flow with your bank
6. Sure will create a session and begin syncing your accounts

If you want to connect another bank, or connect the same bank with a different login, use Add Connection after your first Enable Banking connection is working. Sure stores each Enable Banking connection separately, so you can sync, reconnect, or remove them independently. Make sure to link the bank account first in the Enable Banking portal, and then create the bank connection in Sure.

Using one provider config across different countries

You do not need to create a separate Enable Banking provider configuration for each country.

Use one shared Enable Banking configuration with your application ID and client certificate, then use Add Connection for each additional bank you want to link.

When adding each bank connection:

1. Start from Settings -> Providers -> Enable Banking
2. Choose the country in Country Code list
3. Save the configuration with selected country
4. Click Add Connection
5. Select the bank in that country
6. Complete authorization

Example: you can keep one Enable Banking provider config in Sure, then add one connection for a Spanish bank and another connection for a German bank using the same credentials.

Features

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
• Duplicate detection: Automatic deduplication of transactions with different entry reference IDs

Session management

Enable Banking uses sessions to maintain access to your accounts:

• Session validity depends on your bank’s maximum consent period, up to 90 days
• You can revoke access at any time by deleting the session
• Sessions automatically refresh to keep data current

Transaction syncing

When syncing transactions, Sure imports both booked and pending transactions:

• Booked transactions: Confirmed transactions from your bank
• Pending transactions: Transactions that have not yet settled (visible for 1–3 days before they become booked)
• When a pending transaction settles, the pending entry is automatically replaced by the booked version
• You can filter synced transactions by date range
• Large transaction sets are paginated automatically

Pending transactions

By default, Sure imports both booked and pending (uncleared) transactions from Enable Banking. Pending transactions are automatically reconciled once they post as booked.

You can disable pending transaction imports in your sync settings by toggling “Include pending transactions” off. When disabled, only booked transactions are imported, and any previously stored pending transactions are removed during the next sync.

Disable this option if your bank provides unreliable pending transaction data.

Account type mapping

Sure automatically maps your bank’s account types to the appropriate Sure account type:

• Checking accounts (CACC, TRAN, SALA, and others) map to depository accounts
• Savings accounts (SVGS, MOMA) map to depository savings accounts
• Credit cards (CARD, CRCD) map to credit card accounts
• Loans and mortgages (LOAN, MORT) map to loan accounts

Automatic transfer detection

When syncing transactions from Enable Banking, Sure automatically detects certain transfer types based on the destination account:

• Loan payments: Transactions to loan accounts are automatically classified as loan payment transfers
• Credit card payments: Transactions to credit card accounts are automatically classified as credit card payment transfers

See transfers for more details on how transfer types affect budgets.

Duplicate transaction handling

Enable Banking includes robust content-based deduplication to prevent API-level duplicate transactions:

• The API sometimes returns the same logical transaction multiple times with different entry_reference IDs
• Sure uses a composite key based on transaction content, including transaction_id when present, plus date, amount, currency, creditor and debtor information, remittance information, status, and credit/debit indicator
• When multiple transactions have identical content, only the first occurrence is kept
• The credit_debit_indicator helps distinguish between payments and refunds of the same amount on the same day

This keeps your transaction history clean and accurate even when the API returns duplicate data.

[!NOTE] When transaction_id is nil for multiple transactions, pure content comparison applies. In rare cases, this could collapse two genuinely distinct transactions with identical fields, but this trade-off prevents the more common issue of API-level duplicates.

Supported account types

Enable Banking supports both personal and business accounts:

• Personal accounts: Standard consumer bank accounts (default)
• Business accounts: Business banking accounts

When connecting a bank, Sure validates the selected account type against the types your bank supports. If your bank only supports one type, it is selected automatically.

API reference

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

Limitations

• Only supports banks in EU/EEA countries
• Requires PSD2-compliant banks
• Session validity depends on your bank’s consent limits (up to 90 days)
• Banks that use decoupled authentication (separate device approval) are not supported
• Subject to Enable Banking API rate limits
• Some banks may have additional authentication requirements