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3889 posts

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# 209136 14-Mar-2017 10:00
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I want to have a little web based PHP app check my bank account for deposits every 10 minutes.

 

I know that Xero can look into your bank accounts and so can other accounting software.

 

Is there an API for talking to individual banks?

 

 





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Mr Snotty
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  # 1736202 14-Mar-2017 10:02
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  # 1736208 14-Mar-2017 10:21
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michaelmurfy:

 

No. Not going to happen.

 

 

 

 

Why do you hold that view?

 

 

 

 





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  # 1736209 14-Mar-2017 10:22
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You'd probably be more likely to be able to do it by hiring a friendly Nigerian prince to check you balance periodically.  You've most likely got emails to this effect already.

 

In all seriousness, the banks are very unlikely to do this.

 

 





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  # 1736213 14-Mar-2017 10:35
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davidcole:  In all seriousness, the banks are very unlikely to do this.

 

I don't understand why.

 

QCard send me emails weekly telling me the current available credit on my card.





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  # 1736215 14-Mar-2017 10:37
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I'd prefer TXT & email alerts were instant instead of hours later, and if they were you could probably find a way to auto check emails periodically.

Mr Snotty
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  # 1736217 14-Mar-2017 10:42
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DonGould:

 

michaelmurfy:

 

No. Not going to happen.

 

 

Why do you hold that view?

 

Massive fraud and security risk. Banks have locked down their API's to only a very small number of people (like Xero) for a reason. You could fetch the data directly from Xero but not from the bank.





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  # 1736218 14-Mar-2017 10:42
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DonGould:

 

davidcole:  In all seriousness, the banks are very unlikely to do this.

 

I don't understand why.

 

QCard send me emails weekly telling me the current available credit on my card.

 

 

Sending an email/sms out from the bank is a very different proposition from allowing an incoming connection - which is what you asked for.

 

 

 

You'd be better to ask them for please email/sms me when a transaction happens on my account.





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# 1736229 14-Mar-2017 10:43
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DonGould:

 

michaelmurfy: No. Not going to happen. 

 

 Why do you hold that view? 

 

Security? Confidentiality? ROI / business incentives? Load & performance? Your bank account balance is not a share on the stock market. The balance won't update every X minutes.

 

Considering we only recently moved from overnight batch processing to "same hour" transfers between banks, you sir, are way ahead of the curve. IMO of course.

 

 

 

Changing the focus, what nifty little project are you looking to put together?





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  # 1736239 14-Mar-2017 10:56
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Found this on the ASB website, but looks like you'd need to be a fairly grunty organisation to get access: https://developer.asb.co.nz/documentation


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  # 1736240 14-Mar-2017 11:00
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Benjip:

 

Found this on the ASB website, but looks like you'd need to be a fairly grunty organisation to get access: https://developer.asb.co.nz/documentation

 

 

There's no "get my balances" api call listed there.  Just generic product information.

 

Also I stand corrected.  If your bank is ASB, submit a request for access to their API.  If you can supply them with the information/security assurances they require there's no reason you can't try.

 

The others may or may not have published APIs also.





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  # 1736245 14-Mar-2017 11:16
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Besides as others have mentioned using an official API (for certain banks) or third-party like Xero's API it's certainly not impossible, but it's certainly not simple (and will likely breach bank T&C's but hey this is Geekzone not Amaturezone ;-) ... )

 

     

  1. Scrape your web banking account as others have done (see POLi and MoneyManager).
  2. Reverse engineer the bank's mobile app API - they don't work on magic (probably my preferred option in your case).

 

 

 

EDITED: Clarification..


defiant
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  # 1736246 14-Mar-2017 11:23
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BNZ can send email alerts when money is deposited in your bank account, it's also pretty much instant


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  # 1736249 14-Mar-2017 11:32
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nas:

BNZ can send email alerts when money is deposited in your bank account, it's also pretty much instant


Define "pretty much"?

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Master Geek


  # 1736255 14-Mar-2017 11:48
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Both the company I work, and my personal banking is with BNZ. I work in finance/payroll, so I generally know when payments are being authorised/released. Usually within 30 seconds of the final authorisation going through, I get a txt on my vodafone phone that my wages have been deposited, as I have txt notifications for all deposits. Regularly I've seen it happen in less than 5 seconds. People know that when my phone chimes on pay day, it usually means they have been paid.

 

 

 

 


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Ultimate Geek


  # 1736266 14-Mar-2017 11:56
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I'm with BNZ too, and email/SMS notifications for me are a few seconds as well.


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