Lib-FinTS

A Typescript/Javascript client library for Online-Banking via the FinTS 3.0 protocol with PIN/TAN, supporting PSD2 and decoupled TAN methods.

This is a fork of robocode13/lib-fints that adds outgoing SEPA payments (credit transfers, instant transfers, collective transfers, direct debits), Verification of Payee, and richer statement parsing (pending entries, collective bookings, transparent pagination).

Features

• Read: account balance, statements (MT940 & CAMT), securities portfolio, credit card statements
• SEPA payments: single & collective credit transfers, instant/real-time transfers, single & collective direct debits ("Lastschrift")
• Verification of Payee (VoP) before a transfer is executed
• Statement details: pending entries ("Vormerkposten"), split collective bookings ("Sammelbuchung"), transparent multi-page pagination
• TAN handling: TAN challenges, decoupled TAN methods, TAN media selection & query
• Sessions: persist and restore banking information (BPD/UPD) between sessions

Installation

npm i @schroeer-haren/lib-fints

Requires Node.js >= 18. The only runtime dependency is fast-xml-parser (used for CAMT statement parsing).

Quick Start

const config = FinTSConfig.forFirstTimeUse(productId, productVersion, bankUrl, bankId, userId, pin);
const client = new FinTSClient(config);

const syncResponse = await client.synchronize();

Note that most banks require a TAN method to be selected before account data is returned, and most transactions need a TAN challenge to be completed. See the Getting Started guide for the full walkthrough.

Documentation

• Getting Started – prerequisites, product registration, installation and a complete usage example
• API Guide – handling TAN challenges, restoring sessions from saved banking information, TAN media and debugging
• Supported Transactions – transaction methods, capability checks, parameters, TAN continuation and statement details
• SEPA Payments – credit transfers, instant transfers, collective transfers, direct debits and Verification of Payee
• Contributing & Development – how to build, lint and test the project

The docs/ folder also contains the official FinTS 3.0 specification PDFs.

Limitations

• Only FinTS 3.0 is supported (older versions may not work)
• Only PIN/TAN security is supported (including decoupled TAN methods)

Implementing further transactions should be straight forward and contributions are highly appreciated.

Tested Banks

Successfully tested with DKB, ING-DiBa and Renault Bank Direkt. If you have tested it with another bank, feedback is welcome.

License

This project is licensed under the LGPL 2.1 (or later) License – see the LICENSE file for details.

References

• Product Registration
• FinTS 3.0 Specification