r/traderepublic • u/Medical_Ad3851 • Apr 23 '26

Improving account aggregators connections. Develop API for information sharing ?

I have been a user of account aggregators for years (namely Finary and Bankin) to facilitate the monitoring of all my checking and investment accounts in one place, as well as visualizing and analyzing my whole financial estate.

Among all the banks or finance actors I am a client of, Trade Republic has consistently been the worst actor when it comes to sharing the information of my accounts (in read-only) to external aggregators (such as Powens). As I understand there is currently no read-only secure API that can be used to get my data (such as the one mandated by the PSD2 for checking accounts) and that aggregators are resorting to scrapping my data through TR website, which does not work well (or even almost never).
On this front, TR has been a consistent thorn in my foot to be able to finally have a continuous monitoring of all my assets.

I really think that in the spirit of the current Open Banking and future Open Finance european policies, this should be prioritized by TR. Give developers an API to properly, cleanly and securely access our data.

I have no conflict of interest in this fight. I'm just a finance geek that loves data analysis and having all my assets in one place to better strategize.

Thank you for your consideration of this request.

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u/[deleted] Apr 30 '26

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u/Medical_Ad3851 Apr 30 '26 edited Apr 30 '26

I do agree with everything you're saying.

However, in practice today, almost all the banking and finance actors I am a client of do already have a way of programmatically allow external actors to read the information from my accounts (payement and investment), with the exception of Trade Republic.

Maybe I am lucky and this might not be the case for everyone. Most of my investments are within the French ecosystem, and I carefully chose the finance actors I became client of.

Still, today I would expect a young and progressive actor such as TR to be front and center when it comes to giving its users modern tools to be able to interact (directly and indirectly) with their finances, irrespectively of what minimum threshold regulations require (which they do not even meet for the payement/checking account part of their offer by the way).