HBCI

Home Banking Computer Interface (HBCI) now know as FinTS, is a bank-independent protocol for online banking, developed and used by German banks.

HBCI was originally designed by the two German banking groups Sparkasse and Volksbanken und Raiffeisenbanken and German higher-level associations as the Association of German Banks (in German: Bundesverband deutscher Banken e.V.). The result of this effort was an open protocol specification, which is publicly available.