This is a pure-Ruby implementation of FinTS (formerly known as HBCI), a online-banking protocol commonly supported by German banks.
- Only FinTS 3.0 is supported
- Only PIN/TAN authentication is supported, no signature cards
- Only a number of reading operations are currently supported
- Supports Ruby 2.2+
Banks tested:
- Sparkasse
- ING DiBa
- GLS Bank
- comdirect
require 'ruby_fints'
require 'pp'
FinTS::Client.logger.level = Logger::DEBUG
f = FinTS::PinTanClient.new(
'123456789', # Your bank's BLZ
'myusername',
'mypin',
'https://mybank.com/...' # endpoint, e.g.: https://hbci-pintan.gad.de/cgi-bin/hbciservlet
)
accounts = f.get_sepa_accounts
pp accounts
# [{iban: 'DE12345678901234567890', bic: 'ABCDEFGH1DEF', accountnumber: '123456790', subaccount: '', blz: '123456789'}]
balance = f.get_balance(accounts[0])
pp balance
# {:amount=>1234.56,
# :currency=>"EUR",
# :date=>#<Date: 2018-08-21 ((2458352j,0s,0n),+0s,2299161j)>}
statement = f.get_statement(accounts[0], Date.new(2017, 4, 3), Date.new(2017, 4, 4))
pp statement.map(&:data)
# [#<Cmxl::Fields::Transaction:0x007fab6b457ec8
# @data=
# {"date"=>"170404",
# "entry_date"=>"0404",
# "funds_code"=>"C",
# "currency_letter"=>"R",
# "amount"=>"96,38",
# "swift_code"=>"N062",
# "reference"=>"NONREF",
# "bank_reference"=>""},
# @details=
# #<Cmxl::Fields::StatementDetails:0x007fab6b457838
# @data=
# {"transaction_code"=>"166",
# "details"=>
# "?00GUTSCHRIFT?109251?20EREF+010F209270562741?21SVWZ+STRIPEX4J1J3?22AWV-MELDEPFLICHT BEACHTEN?23HOTLINE BUNDESBANK.?24(0800) 1234-111?30SXPYDKKK?35DK6689000000010241?32Stripe Payments UK Ltd?34888",
# "seperator"=>"?"}
# ]
# for retrieving the holdings of an account (This has not been tested for this implementation yet so it might not work)
holdings = f.get_holdings(accounts[0])This is a close port of python-fints library by Raphael Michel which in turn is a port of the fints-hbci-php implementation that was released by Markus Schindler under the MIT license.
Thanks for your work!