Let's get you started building with Testbank ๐Ÿ’ธ

Testbank is a HTTPS JSON REST API, compliant to the JSON:API specification, that lets you simulate bank accounts & transactions without interacting with real money.

This is ideal for software that interacts with real-world banks - you can build a generic "testbank" integration alongside your other "real" lenders & only expose real lenders when you're ready.

This API offers endpoints for you to:

Coming soon...

We're working on bringing you the best features to test a variety of banking integrations, including:

  • Rate-limits: Protect uptime for all Testbank users with sensible rate-limits.

  • Webhooks: Receive real-time notifications when funds land/leave your accounts.

  • Statements: Build & download PDFs of transactions in a window

    • e.g. PDFs of last month's transactions

  • Loans: Disburse & repay loans with a test lender.

  • Audit logs: Review audit logs for your accounts.

  • Exchange rate fees: Simulate real-world transaction fees when transferring between accounts of different exchange rates.

  • Transfer fees: Specify a range of transaction fees to apply when creating a transaction from one of your accounts, to better simulate a real-world lender.

  • Notifications: Receive notifications regarding your accounts & transactions.


  • You must only send HTTPS requests to this API.

  • This API reads & writes in JSON - no other formats are supported.

  • Authentication is required for each request.

  • You should paginate endpoints where endpoints support it.

  • Non-secure (HTTP) traffic will be dropped.

  • Setting the Accept header to a value other than application/json will return a 406 Not Acceptable status.

  • Unauthenticated requests will return a 401 Unauthorized status to protected resources.

  • Cross-Origin Resource Sharing (CORS) is not supported.

  • Requests or responses larger than 5MB will fail - please paginate endpoints to reduce the likelihood of seeing this error.


You will be given a private static Authentication Token by your account manager. This token must be used in all requests you make to the Testbank API, and should be provided in the Authorization header as a Bearer token:

GET / HTTP/1.1
Authorization: Bearer $TestbankAuthToken

HTTP/1.1 200 OK
Content-Type: application/json
    "meta": {
        "name": "Testbank API",
        "version": "2023.7"
    "links": {
        "self": ""


Following the JSON:API specification, you can get the response body of a request to include resources for relationship data by passing an include query string parameter with the appropriate comma-separated string of paths.

For example, to return the Accounts when fetching a Transaction by ID, you would use:

// /transactions/{transactionId}?include=sender,recipient

    "data": {
        "type": "transactions",
        "id": "{transactionId}",
        "attributes": { /* Transaction attributes */ },
        "relationships": {
            "sender": {
                "data": {
                    "type": "accounts",
                    "id": "a1b2c3d4e5"
            "recipient": {
                "data": {
                    "type": "accounts",
                    "id": "f6g7h8i9j0"
    "included": [
            "type": "accounts",
            "id": "a1b2c3d4e5",
            "attributes": { /* Sender Account attributes */ },
            "meta": { /* Sender Account metadata */ }
            "type": "accounts",
            "id": "f6g7h8i9j0",
            "attributes": { /* Recipient Account attributes */ },
            "meta": { /* Recipient Account metadata */ }


Some endpoints support paginating resources. For these endpoints, you will see:

    "meta": {
        "total": 150,
        "limit": 20
    "data": [
        // List of resources in this page of results
    "links": {
        "prev": null,
        "next": "/...?page[count]=2&page[limit]=20",
        "first": "/...?page[count]=1&page[limit]=20",
        "last": "/...?page[count]=8&page[limit]=20"
  • By default, all endpoints that support pagination will return 20 resources, with a maximum of 100 resources.

  • You can calculate the total number of pages by rounding up the value of รท meta.limit.

  • links.prev/ will be null if there is no previous/next page, respectively.

  • If you include your own pagination query (e.g. ?page[limit]=50) in your request, the API will adjust the links accordingly.

For the stability of your integration, you shouldn't try to parse links, or try to guess/construct the format of URLs, as your integration will break if the URL format is changed in the future.


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