Enable Banking

IntegratedPISP / aggregator

EEA account information and payment initiation: SEPA, SEPA Instant and domestic schemes, straight from payer to payee.

Connect in the dashboardenablebanking.com ↗

What it does

Each capability by country. Integrated means Unirail’s adapter does it today; listed means Enable Banking offers it according to its public documentation, and Unirail can’t route it yet.

Banking

  • Account detailsbanking.ais.account-details

    The account and routing details of an account the user links: sort code and account number, IBAN, ACH routing and account number.

    • integratedGBATBEDEEEESFIFRIEITLTLVNLPTSK

      Enable Banking's public markets page (checked 2026-10-08) lists 30 EEA countries and not the UK; the adapter's GB coverage needs confirming against its bank list.

    • listedBGCYCZDKGRHRHULUMTPLROSESIISLINO
      Source, checked 2026-10-08 ↗
  • Balancesbanking.ais.balances

    Current and available balance of a linked account.

  • Transactionsbanking.ais.transactions

    Transaction history of a linked account.

  • Single paymentsbanking.pis.single

    One immediate payment from the payer's bank account, approved by the payer at their bank.

    • integratedGBATBEDEEEESFIFRIEITLTLVNLPTSK

      SEPA, SEPA Instant and domestic schemes, depending on the bank. Unverified: Enable Banking may expect you to bring your own PISP licence for production payments.

    • listedBGCYCZDKGRHRHULUMTPLROSESIISLINO
      Source, checked 2026-10-08 ↗
  • Scheduled paymentsbanking.pis.scheduled

    A payment the payer approves now for a later date, or a standing order.

    • listedATBEBGCYCZDEDKEEESFIFRGRHRHUIEITLTLULVMTNLPLPTROSESISKISLINO

      Only at banks that support it; Enable Banking flags this per bank.

      Source, checked 2026-10-08 ↗
  • Bulk paymentsbanking.pis.bulk

    Many payments approved together in one bank authorisation.

    • listedATBEBGCYCZDEDKEEESFIFRGRHRHUIEITLTLULVMTNLPLPTROSESISKISLINO

      Only at banks that support it; Enable Banking flags this per bank.

      Source, checked 2026-10-08 ↗

Verification

  • Account ownershipverification.ownership

    Proving the user holds an account by linking it at their bank; the bank returns the holder's name where it reports one.

    • integratedGBATBEDEEEESFIFRIEITLTLVNLPTSK

      The user links the account themselves, so Unirail records it as verified (own link).

Reaches many banks through open banking: links accounts and starts payments that go straight from the payer’s bank to the payee’s.

Coverage

Countries Unirail routes today

  • GB United Kingdom
  • AT Austria
  • BE Belgium
  • DE Germany
  • EE Estonia
  • ES Spain
  • FI Finland
  • FR France
  • IE Ireland
  • IT Italy
  • LT Lithuania
  • LV Latvia
  • NL Netherlands
  • PT Portugal
  • SK Slovakia

Account schemes

  • payto://iban
    IBAN

Custody

Who holds the money while a payment through Enable Banking is in flight. Unirail records custody on every leg, and your routing policy decides which kinds are allowed.

  • noneNo custody

    Nobody holds the money. The payer’s bank pays the payee’s bank directly; the provider only instructs it.

Who is regulated

Enable Banking by default; a licensed TPP can bring its own eIDAS certificates.

With your own contract, you stay the provider’s customer. Unirail acts as your technical service provider and calls Enable Banking with your credentials.

Onboarding

Sandbox
Self-serve sandbox
Production
Contract with the provider

Without a contract, production runs in restricted mode (own accounts only).

Credentials

Create these keys in your Infisical, under the base path you bound to the Unirail environment (/unirail unless you chose another), in a folder named enablebanking. Unirail reads them through OIDC federation and never stores them.

<basePath>/<railId>/<KEY>
  • /unirail/enablebanking/APPLICATION_ID
    Enable Banking application id (the JWT kid)
    identifier
  • /unirail/enablebanking/PRIVATE_KEY_PEM
    The application's RSA private key, PKCS#8 PEM
    secret
Connect Infisical with OIDC →

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