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Agent skill

Open Banking Io

by davila7 in davila7/claude-code-templates

Read bank account balances and transactions from EU/UK banks via the open-banking.io PSD2 API.

MITAuto-check passed

Install Open Banking Io

skills CLI
$ npx skills add davila7/claude-code-templates --skill open-banking-io -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install davila7/claude-code-templates open-banking-io --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/davila7/claude-code-templates.git skills-src && mkdir -p .claude/skills && cp -r skills-src/cli-tool/components/skills/open-banking-io/open-banking-io .claude/skills/open-banking-io && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
open-banking-io
GitHub stars
33k
Token cost
~472 tokens
SKILL.md length
149 words
Files
1
Skills in repo
479
Repo updated
First seen
Licence
MIT

At a glance

Read bank account balances and transactions from EU/UK banks via the open-banking.io PSD2 API.

  • The user wants to check balances
  • SKILL.md covers When to use, Tool surface, Quick start and PSD2 quirks worth knowing
  • Calls curl; reaches open-banking.io and api.open-banking.io; needs OPEN_BANKING_IO_KEY
  • List recent transactions

What it does

Open Banking Io is an agent skill from davila7/claude-code-templates. Read bank account balances and transactions from EU/UK banks via the open-banking.io PSD2 API. Use when the user wants to check balances, list recent transactions, categorise spending, or reconcile payments across European bank accounts — without eIDAS certificates or an AISP licence.

Its SKILL.md is about 470 tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

The repository describes itself as: CLI tool for configuring and monitoring Claude Code. The licence is MIT.

When your agent uses it

  • The user wants to check balances
  • List recent transactions
  • Categorise spending
  • Reconcile payments across European bank accounts — without eIDAS certificates

Example prompts

  • “/open-banking-io”

Requirements

  • A credential in OPEN_BANKING_IO_KEY

What it can do on your machine

Read from SKILL.md and the folder at commit c0ca7da. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    Shell commands in SKILL.md call:

    • curl

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    Hosts in commands or code, which the agent is likely to contact:

    • open-banking.io
    • api.open-banking.io

    Also links to:

    • github.com

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names these keys or tokens, usually read from environment variables:

    • OPEN_BANKING_IO_KEY

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Open Banking Io loads about 472 tokens when it runs. Until then it costs about 75 tokens; SKILL.md has 149 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~75
When it runs · the whole SKILL.md, loaded when a task matches
~472

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from davila7/claude-code-templates at commit c0ca7da, republished under its MIT licence (© davila7). 149 words, ~472 tokens.

Download SKILL.mdSave it as .claude/skills/open-banking-io/SKILL.md (or your agent's skills folder).
name
open-banking-io
description
Read bank account balances and transactions from EU/UK banks via the open-banking.io PSD2 API. Use when the user wants to check balances, list recent transactions, categorise spending, or reconcile payments across European bank accounts — without eIDAS certificates or an AISP licence.

open-banking.io

Self-serve PSD2 bank-data API for EU/UK accounts: accounts, balances and transactions behind a single API key — no eIDAS QWAC/QSealC certificates required. Part of the open-banking.io service (skills repository, MIT).

When to use

  • "What's my balance on <bank>?"
  • "Summarise last month's transactions" / "How much did I spend on groceries?"
  • "Which of my bank connections need re-consent?"
  • Reconciling invoices/payments against bank statement lines

Tool surface

Prefer the official MCP server (read-only tools: list_accounts, get_balances, get_transactions, list_connections): open-banking-io/mcp-server

Direct REST works too: GET /accounts, GET /accounts/{id}/balances, GET /accounts/{id}/transactions.

Quick start

bash
# 1. Sign up at https://open-banking.io (free tier) and get an API key
# 2. Connect a bank (consent flow) — EU/UK, ~600+ institutions
# 3. Read data
curl -H "Authorization: Bearer $OPEN_BANKING_IO_KEY" \
  "https://api.open-banking.io/accounts"

PSD2 quirks worth knowing

  • Consents expire (~90 days by default; some banks cap at 90 days, some 120+) — plan re-consent reminders.
  • Transactions come back as interimBooked (pending) and booked — pending rows flip to booked with the SAME transaction id; treat it as an update, not a new row.
  • Unattended fetch rates are capped per bank (~4 pulls/day typical) — budget polling accordingly.

© davila7, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in cli-tool/components/skills/open-banking-io/open-banking-io of davila7/claude-code-templates.

Open the folder on GitHubat commit c0ca7da

Compare with similar skills

Open Banking Io next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Open Banking Io compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Open Banking Io this skilldavila7/claude-code-templates33k—~472Automated safety check: PassMIT
Bank Accounts and Transactions via Plaidcodewhale-hq/Codewhale41k—~305Automated safety check: PassMIT
Purchase Accountingsickn33/agentic-awesome-skills47k1 repos~5.1kAutomated safety check: PassMIT
Odoo Accounting Setupsickn33/agentic-awesome-skills47k2 repos~1kAutomated safety check: PassMIT
Expense Accountingsickn33/agentic-awesome-skills47k1 repos~6.5kAutomated safety check: PassMIT
Sales Accountingsickn33/agentic-awesome-skills47k1 repos~6.4kAutomated safety check: PassMIT

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Questions about Open Banking Io

What does Open Banking Io do?

Read bank account balances and transactions from EU/UK banks via the open-banking.io PSD2 API. Open Banking Io is an agent skill from davila7/claude-code-templates.io PSD2 API.

When should I use Open Banking Io?

Open Banking Io fits situations like: the user wants to check balances; list recent transactions; categorise spending; reconcile payments across European bank accounts — without eIDAS certificates.

How do I install Open Banking Io in Claude Code?

Run `npx skills add davila7/claude-code-templates --skill open-banking-io -a claude-code`. Or copy the skill folder (cli-tool/components/skills/open-banking-io/open-banking-io in davila7/claude-code-templates) into .claude/skills/open-banking-io in your project. Claude Code loads it when a task matches its description.

How do I install Open Banking Io in Codex?

Run `npx skills add davila7/claude-code-templates --skill open-banking-io -a codex`. Or copy the skill folder (cli-tool/components/skills/open-banking-io/open-banking-io in davila7/claude-code-templates) into .agents/skills/open-banking-io in your project. Codex loads it when a task matches its description.

Can I use Open Banking Io in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add davila7/claude-code-templates --skill open-banking-io -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/open-banking-io, .gemini/skills/open-banking-io, .github/skills/open-banking-io and .opencode/skills/open-banking-io in your project.

What does Open Banking Io need to run?

Going by SKILL.md and its folder, Open Banking Io needs the command-line tools its instructions call (curl) and credentials named OPEN_BANKING_IO_KEY. Our summary lists: A credential in OPEN_BANKING_IO_KEY.

Does Open Banking Io access the network?

SKILL.md names 3 domains. In commands or code: open-banking.io and api.open-banking.io; the agent is likely to contact these when it follows the instructions. As links in the text: github.com. This is read from the text; nothing was executed.

Is Open Banking Io safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Open Banking Io use?

Open Banking Io is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Open Banking Io use?

About 472 tokens (SKILL.md is roughly 1.9k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Open Banking Io?

Skills that share tags, products or a category with Open Banking Io: Bank Accounts and Transactions via Plaid (codewhale-hq/Codewhale, 41k stars), Purchase Accounting (sickn33/agentic-awesome-skills, 47k stars), Odoo Accounting Setup (sickn33/agentic-awesome-skills, 47k stars) and Expense Accounting (sickn33/agentic-awesome-skills, 47k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Open Banking Io?

davila7 (a GitHub user) maintains it in davila7/claude-code-templates, which has 32,512 GitHub stars. The repository holds 479 skills in this directory. The repository was last updated on October 10, 2026.

Source: davila7/claude-code-templates on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.