At Pluggy, apart from our usual Connectors, we now also support obtaining data from the Brazilian Open Finance Network with Open Finance Connectors.
Open Finance Connectors follow Pluggy's data model like any other Connector (Items, Accounts, Transactions, etc.), so there is no breaking change when obtaining data from Open Finance. However, they are some differences in the products they retrieve, the institutions they support and the way the user connects their account. In this guide we will discuss those differences so you can choose which connector type is best suited for your use case.
Premium feature
If you are interested in using Open Finance Connectors, please contact our sales team to enable it for your plan.
Products supported by Open Finance#
Right now, Open Finance supports the following products:
ACCOUNTSCREDIT_CARDSTRANSACTIONSIDENTITYLOANSINVESTMENTS&INVESTMENT_TRANSACTIONS&BROKERAGE_NOTESEXCHANGE_OPERATIONS
Institutions supported by Open Finance#
Here is a comparison of support of brazilian institutions from Open Finance and Direct connectors. Each context is a separate connector with its own id: for BTGPactual, the Open Finance side is BTGPactual (675), BTGPactual Empresas (655), BTGPactual Investimentos (614) and BTGPactual Investimentos Empresas (779), and the direct side is the BTGPactual investment connector (214).
| Institution | Open Finance Connector | Direct Connector |
|---|---|---|
| Itau | Personal, Business | Personal, Business |
| Bradesco | Personal, Business | Personal, Business |
| Caixa | Personal, Business | Personal, Business |
| Santander | Personal, Business | Business |
| Banco do Brasil | Personal, Business | Business |
| Nubank | Personal, Business | None |
| BTGPactual | Personal, Business, Investments | Investments |
| Sicredi | Personal, Business | Business |
| Sicoob | Personal, Business | None |
| Banrisul | Personal, Business | Business |
| Mercado Pago | Personal, Business | Personal |
| Itau Cartoes | None | Personal |
| Banco Bmg | Personal, Business | None |
| Unicred | Personal, Business | None |
| XP Investimentos | Personal, Business | Personal, Business |
| Next | Personal, Business | None |
| PicPay | Personal, Business | None |
| Banco PAN | Personal | Business |
| Banco Digio | Personal | None |
| Banco do Nordeste do Brasil | Personal, Business | Business |
| Uber Conta by Digio | Personal | None |
| Woop | Personal | None |
| Investimentos BB | Investments | None |
| Agora Investimentos | Investments, Business | None |
| Ion | Investments | None |
| Modal Mais | None | Personal |
| Safra | Personal, Business | None |
| Cora | None | Business |
| Citi | Business | None |
| Safra Financeira | Personal, Business | None |
| Banco Sofisa | Personal, Business | None |
| Banco BV | Personal, Business | None |
| Meliuz | Personal | None |
| Rico Investimentos | Investments | None |
| Clear Corretora | Investments | None |
| Bradescard | Personal | None |
| InfinitePay | Personal, Business | None |
| Caixa Tem | Personal | Personal |
| Necton | Personal | Investments |
| RecargaPay | Personal, Business | None |
| Stone Pagamentos | Personal, Business | None |
| Itau BBA | Business | None |
| Toro Investimentos | Investments, Business | None |
| Santander Cartoes | Personal, Business | None |
| Porto Bank | Personal, Business | None |
| Neon | Personal | None |
| EQI | Investments | Investments |
| Rede Celcoin | Personal, Business | None |
| Santander Corretora | Investments | None |
| PagueVeloz (Serasa) | Personal, Business | None |
| Itau Emps | Business | None |
| C6 Bank | Personal, Business | None |
| PagBank | Personal, Business | None |
| Inter | Personal, Business | Personal, Business |
| Midway | Personal | None |
| Banco BRB | Personal, Business | Personal |
| Banco Mercantil | Personal, Business | None |
| Banco Master | Personal | None |
| Cartao Sam's Club | Personal | None |
| Cartao Atacadao | Personal | None |
| Cartao Carrefour | Personal | None |
| 99Pay | Personal | None |
| QI SCD | Personal, Business | None |
| Crefisa | Personal, Business | None |
| Porto Bank Empresas | Business | None |
| Monte Bravo | Investments | None |
Investment Connectors that were not mentioned here, and other types like Digital Economy and Payment Processors, are not currently supported by Open Finance, but have Direct Connectors available.
Check out the Connectors Coverage docs for all supported Direct Connectors.
Keeping up to date with the institutions
Our API offers the /connectors?isOpenFinance=true endpoint that describe all the Financial Institutions supported for Regulated Open Finance connections. Each connector may support different products, validate each one using the products list returned by the institution. New connectors will appear automatically in this endpoint so information will be most updated on our API.
Using Open Finance Connectors in my Application#
Once you have Open Finance enabled for your plan, to add an Open Finance Connector, follow these steps:
- Go to Dashboard -> Customization
- Find the Open Finance connectors and add them to your Personal, Business or Investment connector list
Open Finance connectors will have an Open Finance tag, and appear as "[OF]" in the selected connectors list.
Now, users will be able to choose those institutions in Pluggy Connect (they look just like any usual connector).
Open Finance Rate Limits#
Moved to different section
Access the following link: Operational Rate Limits