YAP API Access — Connect YAP Italy Accounts

Bring live YAP account data into your own product without wrestling with per-bank integrations. open-banking.io gives you a single, standardised gateway to YAP (Italy, BIC NEPYITMM) alongside 2,600+ other European institutions, so syncing balances and transaction history becomes one API call instead of a months-long banking project.

Whether you are building budgeting tools, reconciliation flows, or lending checks, the YAP connection lets you read verified account data straight from the source, with the account holder's explicit consent.

How to connect YAP

  1. Create an open-banking.io account and grab your API key.
  2. Point a connection request at YAP using its identifier (BIC NEPYITMM).
  3. Redirect the user to YAP's own login and strong customer authentication.
  4. Receive the secure callback and start pulling account data immediately.

No eIDAS certificates, no QWAC provisioning, no sandbox paperwork — the plumbing is handled for you.

What data you can access

  • Accounts — YAP business and personal account details and identifiers.
  • Balances — up-to-date available and booked balances.
  • Transactions — dated, categorisable transaction history for each connected account.

YAP supports both business and personal account types. A single user authorisation stays valid for up to 180 days, the PSD2 maximum, before the account holder needs to reconfirm — so recurring syncs keep running without constant re-prompting.

Privacy by design

open-banking.io is zero-knowledge: credentials are entered only on YAP's own screens and are never visible to us or to you. The platform is certificate-free, removing the cost and complexity of managing your own open-banking certificates while keeping every connection compliant and encrypted end to end.

Pricing

One flat subscription of roughly EUR 3 per month covers YAP and the entire network of supported banks — no per-call fees, no setup charges, no enterprise minimums.

FAQ

Do I need a banking licence to connect YAP?

No. open-banking.io provides the regulated access layer, so you can read YAP data under the user's consent without holding your own PSD2 authorisation.

How long does a YAP connection last?

Each consent remains active for up to 180 days. After that the account holder simply re-authenticates to renew access.

Can I connect both business and personal YAP accounts?

Yes. Both account types are supported through the same endpoints and the same flat subscription.

Ready to start syncing YAP data? Explore the full API at open-banking.io.