ruby_fints

This is a pure-Ruby implementation of FinTS (formerly known as HBCI), a online-banking protocol commonly supported by German banks.

Limitations

• 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

Usage

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])

Credits

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!