FinTS Account Balance icon

FinTS Account Balance

Retrieves the account balance for all accounts via FinTS/HBCI

Overview

This node connects to German banks using the FinTS (Financial Transaction Services) protocol, also known as HBCI, to retrieve account balances and transaction statements. It is useful for automating bank data retrieval workflows such as financial reporting, bookkeeping, or personal finance management.

Typical use cases include:

  • Fetching current balances of all accounts linked to a FinTS-enabled bank.
  • Downloading transaction statements within a specified date range.
  • Integrating bank data into other systems or dashboards without manual downloads.

For example, a user can select their bank from a predefined list or enter custom connection details in expert mode, then specify a date range to fetch recent transactions automatically.

Properties

Name Meaning
Select Bank Choose your bank from a list of supported German banks. The node will automatically set the corresponding bank code (BLZ) and FinTS server URL.
Expert Mode: Enter BLZ and FinTS URL Manually Enable this to manually input the bank code (BLZ) and FinTS server URL instead of selecting a bank from the list. Useful if your bank is not listed or you want to override defaults.
Bank Code (BLZ) The bank code used to identify your bank in the FinTS protocol. Required if expert mode is enabled.
FinTS Server URL The URL of the FinTS server endpoint for your bank. Required if expert mode is enabled.
FinTS Registration Number Optional product ID for FinTS registration. Some banks require this for authentication. If left empty and an error with code 9050 occurs, registration may be necessary.
Start Date The start date from which to fetch bank statements. Defaults to 14 days before the current date if not specified.
End Date The end date up to which to fetch bank statements. Defaults to the current date if not specified.

Output

The node outputs an array of JSON objects, each representing one bank account with the following structure:

  • account: The IBAN or account number.
  • bank: The bank code (BLZ).
  • balance: The closing balance value of the account for the fetched period.
  • currency: The currency of the balance.
  • transactions: An array of transaction objects, each containing:
    • currency: Currency of the transaction.
    • amount: Positive amount for credits, negative for debits.
    • valueDate: The date of the transaction.
    • text: A description or name extracted from structured transaction descriptions.
    • reference: Bank reference information.
    • isCredit: Boolean indicating if the transaction is a credit.
    • isExpense: Boolean indicating if the transaction is an expense.

No binary data output is produced by this node.

Dependencies

  • Requires an API key credential that provides user ID and PIN for FinTS authentication.
  • Uses the external fints library to communicate with the FinTS servers.
  • Requires network access to the bank's FinTS server URL.
  • No additional environment variables are needed beyond the configured credentials.

Troubleshooting

  • Unknown bank error: Occurs if the selected bank is not recognized. Ensure you select a valid bank from the list or enable expert mode and provide correct BLZ and FinTS URL.
  • No Accounts found: Indicates that no accounts were returned by the bank. Verify your credentials and that your user has access to accounts via FinTS.
  • Error code 9050: Means the bank requires FinTS registration. Try providing a FinTS Product ID or contact your bank to register.
  • Connection issues: Network problems or incorrect FinTS URLs can cause failures. Check connectivity and URL correctness.
  • Invalid credentials: Wrong user ID or PIN will prevent login. Double-check your credentials.

Links and References

Discussion