Enable Banking Changelog | January 2026

As always, if you have any questions, feel free to reach out to us at support.api@enablebanking.com.

Significant Changes and Updates

QWAC Renewal and Related ASPSPs Re-onboarding

At the end of January, we migrated to a renewed QWAC certificate. Thanks to improved automation and our operations dashboard, the renewal process was completed in record time.

Unfortunately, some ASPSPs bind account information consents to specific certificates. As a result, certain account information sessions expired prematurely following the certificate update.

For more details, please refer to our FAQ: 

Why does the API return "expired session" when the session has a valid-until date in the future?

Improved Instance Spin-up Time

Some TPPs reported timeouts for applications connected to their dedicated infrastructure during high volumes of parallel requests.

After investigation, we identified that this was caused by a relatively long spin-up time of the computational instances used by dedicated infrastructures. The root cause was linked to suboptimal loading of an open-source library.

By eliminating the need to load this library, we achieved reduced instance spin-up time by nearly 10x, effectively resolving scaling-related timeouts during sudden traffic spikes.

Enhanced PSU Headers Validation and Handling

We have enhanced the validation and handling of PSU headers passed by client applications to the Enable Banking API. These headers indicate the presence of the end user (i.e., that the user is actively interacting with the application when requests are sent).

Validation now occurs at the API gateway level, ensuring that client applications immediately receive an error if:

• A required PSU header is missing

• A PSU header value is in an invalid format

Further details are available in our FAQs:

• What are the PSU headers used for in account details, balances, and transactions endpoints?

• Why am I receiving a 422 response with the "PSU header not provided" error?

Markets Specifics Documentation Updates

We’ve updated the Market Specifics documentation to provide clearer guidance on the limitations of major ASPSPs.

For instance, we now explain why American Express does not provide Account Information Services in certain markets, including Finland and Sweden: American Express – Market Limitations

Browse the full documentation here: Open Banking Specifics by Country 

GET /payments/{payment-id} Now Returns Payment Type and ASPSP

The Enable Banking API response for payment details now includes:

• ASPSP name and country

• Payment type

This enhancement was requested by TPPs using our Infrastructure-as-a-Service for payment initiation and simplifies the implementation of application-level business logic.

New Integrations

We’ve expanded AIS/PIS coverage with new integrations:

• Banco Desio (IT): AIS integration supporting business accounts, supporting CoRe Banking and Web Remote Banking

• Creand (ES): AIS integration 

• Intesa Sanpaolo (IT): AIS integration supporting business accounts available to Inbiz users

• Wamo (EU): AIS integration (business)

Extended Integrations

We’ve extended the following:

• Bigbank (EE): Added PIS integration

• SEB (SE): Added support for bulk payment initiation (BULK_SEPA, BULK_DOMESTIC, and BULK_DOMESTIC_SE_GIRO payment types)

Fixed and Improved Integrations

We’ve rolled out reliability and performance improvements across multiple ASPSPs, including:  

• Aachener Bank (DE)

• Abanca (ES)

• Abanca (PT)

• Alisa Bank (DE, DK, PL)

• Alisa Pankki (FI)

• Argenta (BE)

• Banca del Piemonte (IT)

• Banco Desio (IT)

• Berliner Sparkasse (DE)

• CBC (BE)

• CIC Banque Privée (FR)

• DNB (DE, DK, FI, NO, SE)

• Delavska Hranilnica (SI)

• Erste Bank (AT)

• Erste Bank (HU)

• Eurocard (DK, FI, NO, SE)

• Intesa Sanpaolo (IT)

• Intesa Sanpaolo Bank (SI)

• KBC (BE)

• KBC Brussels (BE)

• Knab (NL)

• LKU (LT)

• MagNet Bank (HU)

• Mediobanca Premier (IT)

• Nest Bank (PL)

• PBZ (HR)

• Paysera (EE, LT, LV)

• Piraeus Bank (GR)

• Qonto (DE, ES, FR, IT)

• S-Pankki (FI)

• Slovenská sporiteľňa (SK)

• Sudtirol VolksBank (IT)

• SumUp (EU)

• Swedbank (SE)

• Urbo (LT)

Integrations removed

• SweepBank (FI): Removed integration due to brand discontinuation in favour of FerratumBank

For a comprehensive list of integration changes, click here

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