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Open APIs in Cash Management

Open APIs in Cash Management

Open API technology enables you to access real-time data and meets ever-evolving treasury needs in the digital era. Experience Open APIs: The new motor for superior user experience in cash management.

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What Are Open APIs and How Can Your Company Benefit From Them?

Open APIs (Application Programming Interfaces) provide opportunities across all domains of treasury services. They enable embedded finance opportunities to enhance your customer experience.

The use of Open API technology in transaction banking is gaining traction. This is evidenced by corporates increasingly buying into leveraging this technology to improve their treasury operations. Selected use cases include payments, reporting and electronic bank account management.

Seamless Access

Access real-time account data and trigger cash sweeps via your ERP.

Flexible Integration

The plug & play approach enables direct and fast integration at scale.

Operational Efficiency

Self-service changes and intelligent automation via your preferred system.

Enhanced Collaboration

Gain access to future proof, next-gen use cases and innovative tools.

Our API Solutions

Get the RBI Cash Management Open APIs directly from our API Marketplace.

  • Bank Account Information API

    Bank Account Information API

    This API allows customers to electronically request general information about their RBI corporate bank accounts in an easy and convenient way. This includes daily updated insights on:

    • Customer information
    • User information
    • Account information
    • More daily insights
  • Account Statement API

    Account Statement API

    This API allows you to request the following statement messages from bank accounts at RBI and from bank accounts at RBI network banks that are already connected to the cash management real-time interface: 

    • Intraday account statements (i.e. CAMT052)
    • End-of-day account statements (i.e. CAMT053)
  • Payment Initiation API

    Payment Initiation API

    This API helps corporate and institutional customers of RBI Group to use real-time rails to initiate payments at any time and from any location. They can initiate:

    • Various payment types based on ISO20022(pain.001.001.03)
    • Currencies including domestic LCY, SEPA, IGP, SCT Inst and others

    The API can easily be integrated into the ERP/TMS 
of choice or directly into self-developed treasury
    systems.

  • Payment Status API

    Payment Status API

    This API allows you to request and receive payment status messages in real-time. It counts for payments which are related to bank accounts at RBI or at RBI network banks that are already connected to the cash management real-time interface.

    The status request is based on the pain.002 standard upon request and upon availability.

Country Coverage

RBI’s Open Banking APIs will be launched in already real-time capable countries first, before being rolled out to the entire RBI network.

Our quick and gradual expansion will soon make Open APIs available for accounts across the full RBI network. Currently, they are available for accounts in these countries:

  • Austria
  • Kosovo
  • Serbia

Connected Third-Party Providers

We are partnering with the world‘s leading fintechs and treasury management systems to make our cash management services available within the most innovative client environments.

TIS

TIS

The TIS corporate payments technology platform helps businesses improve operational efficiency, lower risk, manage liquidity, gain strategic advantage – and ultimately achieve enterprise payment optimization.

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Finance Key

FinanceKey

FinanceKey provides easy access to banking APIs for real-time cash visibility and payments for businesses to act faster, improve decision-making and automate workflows. With FinanceKey’s dashboards, customers gain immediate benefits from instant access to multi-banking, and with their single API, clients can integrate data and services into their existing tools.

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Useful Documents

Find more detailed information on RBI’s Open API technology in our whitepaper and product folder.

  • Open APIs Whitepaper: A New Frontier in Transaction Banking

  • Open APIs Product Folder: The Way to Real-Time Treasury

  • API Product Folder: The Bank Account Information API

  • RBI & TIS: Joint API Value Proposition

Frequently Asked Questions

Yes, the APIs exist within our secure bank platform and allow thorough testing. The data transfer is encrypted & subject to authorization/authentication using RBI Corporate Seals (a proven, secure & flexible solution)

Yes, Open APIs facilitate a direct, fast and flexible activation for preferred systems within weeks. Flexibility in (de)activating APIs allowing for need-driven services & limited dependency.

Yes, Open APIs are true enablers for operational efficiency. They seamlessly embed multiple bank connections into one system and provide self-service changes and smart automation beyond limits of internal systems.

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Introduction to RBI´s APIs in Cash Management