Subsembly
Subsembly GmbH builds .NET-based banking connectivity software — FinTS, EBICS, and SEPA APIs, BankAccessServer, and FinTS/EBICS servers — for 100+ banks, fintechs, software vendors, and end users in Germany, Switzerland, and Austria.
- Company typePrivate
- Founded2003
- HeadquartersMünchen, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Subsembly does
Subsembly GmbH is a Munich-based, founder-owned (Andreas Selle, 2003) banking software specialist serving banks, fintechs, software vendors, enterprises, and end users across the DACH region plus France. The company builds three product layers: (1) the Banking4 application family (Home, Professional, Business) and BankingVEU mobile companion for end users, distributed through app stores and white-label partnerships; (2) .NET class-library APIs (FinTS, EBICS, XS2A, SEPA) for developers, plus the BankAccessServer REST platform that unifies multi-protocol banking connectivity for cloud and SaaS use cases; and (3) FinTS Server and EBICS Server modules for banks and payment service providers to expose standardized online-banking interfaces compliant with PSD2/SCA. Technology is built on Visual C# targeting .NET Standard 2.0, with deployment options across Windows, Linux, macOS, iOS, Android, and major cloud platforms (Azure, AWS) via Docker/Kubernetes. Reported reference customers include DKB, Baader Bank, Aareal Bank, apoBank, PostFinance, Swisscom, Tink, Sage, and HAL, alongside 100+ other banks, fintechs, and software providers in Germany, Switzerland, and Austria.
Subsembly monetizes primarily through commercial software licensing of its APIs and server modules, bundled with recurring annual support and maintenance contracts; white-label app development and OEM customization (e.g., the Swisscom EBICS VEU app, the HAL Multibanking app, and the BANKSapi VEU app) generate project-based revenue. The SEPA API commercial license is publicly listed at €300/year, while enterprise products (BankAccessServer, FinTS Server, EBICS Server) are quote-based. Distribution is a mix of direct enterprise sales, app-store consumer distribution, and white-label/OEM partnerships. The company holds the registered Subsembly® trademark and processes data under GDPR; founder Andreas Selle is also the named managing director (Geschäftsführer) alongside Klaus Igel. The company is privately held with no disclosed external funding, no parent company, and no acquisitions, indicating an organic, bootstrapped growth profile rather than a venture-backed scale-up.
Subsembly firmographics
Firmographics- Name
- Subsembly
- Legal name
- Subsembly GmbH
- Website
- https://subsembly.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Subsembly GmbH builds .NET-based banking connectivity software — FinTS, EBICS, and SEPA APIs, BankAccessServer, and FinTS/EBICS servers — for 100+ banks, fintechs, software vendors, and end users in Germany, Switzerland, and Austria.
- Ownership category
- akta.pro rank
Subsembly industry classification
Industry- Product category
- Banking Software
- NAICS
- Other Activities Related to Credit Intermediation (52239), Software Publishers (513210)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
Keywords
Where Subsembly is headquartered
LocationHeadquarters
- HQ city
- München
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Subsembly business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software Licensing: Perpetual software licenses for APIs, SDKs, and server products. Commercial licenses required for API products like SEPA API. White-label and OEM arrangements for banking apps.
- Support and Maintenance Contracts: Annual support and maintenance contracts bundled with software licenses, providing updates, technical support, and access to test systems (FinTS Dummy, EBICS Dummy).
- Enterprise Server Licensing: Licensing of BankAccessServer, FinTS Server, and EBICS Server for banks and enterprises with mandatory maintenance and support contracts.
- White-Label App Development: Custom white-label banking app development services and customization for banks and enterprises wanting apps in their corporate design.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | SEPA API Commercial License |
| Subscription | Annual | Banking4 Variants |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
Subsembly product offering
Product offeringCore offering
Subsembly GmbH develops and licenses banking software for the DACH region, including .NET class libraries and APIs (FinTS, EBICS, XS2A, SEPA), platform-neutral server modules for banks (FinTS Server, EBICS Server, BankAccessServer), white-label banking apps for financial institutions, and the consumer Banking4 application family (Home, Professional, Business) plus the BankingVEU mobile approval companion app.
Product overview
Subsembly GmbH offers a comprehensive portfolio of banking software solutions spanning end-user applications, developer APIs/SDKs, and server products for financial institutions. The product portfolio consists of three main layers: (1) Banking4 consumer/business applications including Banking4 Home, Banking4 Professional, Banking4 Business (formerly BankingZV), and BankingVEU for mobile approval workflows; (2) Developer APIs including EBICS API, FinTS API, XS2A API, and SEPA API (.NET class libraries written in Visual C# targeting .NET Standard 2.0); and (3) Server products including BankAccessServer (REST API platform), FinTS Server, and EBICS Server for banks and enterprises. White-label customization is also available.
Differentiator
Problem solved
Functional benefit
Brands
- Banking4: Online banking application family for consumers, freelancers, associations, and businesses. Available in variants: Banking4 Home (for private users), Banking4 Professional (for freelancers and associations), and Banking4 Business (for businesses with EBICS support).
- BankingVEU
- Subsembly EBICS API
- Subsembly FinTS API
- Subsembly XS2A API
- Subsembly SEPA API
- Subsembly BankAccessServer
- Subsembly FinTS Server
- Subsembly EBICS Server
Products and services
- Banking4 Multi-platform online banking application family from Subsembly offered in three variants: Banking4 Home for private end users, clubs, and small businesses; Banking4 Professional for freelancers and associations with additional securities portfolio retrieval; and Banking4 Business (formerly BankingZV) with full EBICS support, VEU multi-signature approval workflows, direct debits, batch orders, and accounting export functionality.
- BankingVEU
Quantifiable outcome
- 100+ banks, fintechs, and software providers in DACH region rely on Subsembly products
- +1 more outcomes
Companies that use Subsembly
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles3 records
Subsembly technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature11 records
Subsembly partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Baader Bank AGcoreUses Subsembly FinTS Server since 2020 as the link between customer financial software and core banking system. Case study reference for securities and brokerage focus.
- Deutsche Kreditbank AG (DKB)coreUses Subsembly FinTS Server since 2024 for FinTS-compliant access. Featured as case study on FinTS Server page.
- SwisscomcoreWhite-label partner using Subsembly as basis for EBICS VEU app for Swiss corporate payment traffic. App available on Google Play and App Store.
- Banksapi Technology GmbHminorWhite-label partner using Subsembly technology for BANKSapi VEU app enabling EBICS VEU payment approval.
- Hauck Aufhäuser Lampe Privatbank AG (HAL)minorWhite-label partner using Banking4 as basis for HAL Multibanking and e-cash apps for Android and iOS.
- Bankhaus SeeligerminorWhite-label banking app using Subsembly technology with activeTAN integration.
- Bankhaus Ludwig SperrerminorWhite-label Sperrer Banking app for mobile online banking, available for Android and iOS.
- REINER SCTminorWhite-label partner offering REINERT SCT Online Banking app optimized for tanJack Bluetooth TAN generator.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Subsembly competitors and assessment
Company assessmentDirect peers
- Token.io: Token.io provides pan-European open-banking connectivity and PSD2-compliant APIs that compete with Subsembly's BankAccessServer in serving fintechs and banks needing standardized AISP/PISP integrations.
- Yapily: Yapily provides an open-banking API that aggregates PSD2-compliant bank connectivity across Europe, including DACH, and competes with Subsembly's BankAccessServer and XS2A products for fintech developer integrations.
- finAPI: finAPI (Munich-based) is a German bank API and account-data platform used by fintechs and enterprises to access bank accounts and initiate payments in DACH, overlapping directly with Subsembly's FinTS, EBICS, and BankAccessServer offerings.
- lemon.markets: Berlin-based lemon.markets offers a banking-as-a-service and bank-connectivity API for European fintechs, competing with Subsembly's developer-facing API and BankAccessServer products in the same European open-banking integration space.
Broad incumbents
- Plaid: Plaid is a leading global account-aggregation and bank-connectivity platform; its ongoing European expansion (including UK and select EU markets) creates broader-incumbent pressure on niche DACH bank connectivity players like Subsembly.
- Finastra: Finastra is a large banking-software vendor offering core, lending, and digital channels; its FusionFabric.cloud and PSD2-ready APIs position it as a broader incumbent competing for the same bank integration budgets as Subsembly's server products.
- Worldline: Worldline is a major European payments and financial-services software provider with PSD2 connectivity, EBICS-style integrations, and banking APIs that overlap with the broader bank-IT footprint where Subsembly operates.
- Tink (Visa): Tink, owned by Visa, is a pan-European open-banking platform offering account aggregation, payment initiation, and financial data APIs; Subsembly already names Tink as a customer, indicating product overlap and ecosystem interdependence.
- Avaloq (NTT Data): Avaloq, now part of NTT Data, is a Swiss-headquartered wealth and retail banking software platform, making it a relevant broad incumbent in DACH core banking and digital channels that may absorb functionality Subsembly currently sells as middleware.
Emerging players
- Meniga: Meniga provides bank-data aggregation, PFM, and open-banking enrichment APIs primarily in the Nordics and increasingly elsewhere in Europe, representing an emerging player with partial overlap to Subsembly's XS2A-style account data products.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Subsembly social profiles
Digital presenceSubsembly compliance and trust
Trust signalCompliance1 record
Subsembly financial estimates
Financial estimateRevenue estimate
Valuation estimate
Subsembly leadership team
Management profileNumber of profiles
Profiles2 records
Subsembly funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Subsembly M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Subsembly
What does Subsembly do?
Subsembly GmbH develops and licenses banking software for the DACH region, including .NET class libraries and APIs (FinTS, EBICS, XS2A, SEPA), platform-neutral server modules for banks (FinTS Server, EBICS Server, BankAccessServer), white-label banking apps for financial institutions, and the consumer Banking4 application family (Home, Professional, Business) plus the BankingVEU mobile approval companion app.
Is Subsembly a public or private company?
Subsembly is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Subsembly founded?
Subsembly was founded in 2003. It employs 11 to 50 people.
Where is Subsembly based?
Subsembly is headquartered in München, Germany, in the Europe region.
How does Subsembly make money?
Four revenue lines are on record. Software Licensing is the primary driver. The others are support and Maintenance Contracts, enterprise Server Licensing and white-Label App Development.
Who are Subsembly's main competitors?
Direct peers on record are Token.io, Yapily, finAPI and lemon.markets. Broad incumbents are Plaid, Finastra, Worldline, Tink (Visa) and Avaloq (NTT Data). Meniga is listed as an emerging player.
Does Subsembly have an API?
Yes. Subsembly offers a comprehensive suite of banking APIs and .NET class libraries for developers. The APIs include: EBICS API for commercial payment traffic integration with German, Austrian, and Swiss banks (including EBICS Spooler for automated background transfers); FinTS API for classic FinTS/HBCI online banking clients supporting all FinTS 3.0 security procedures and 70+ business transaction types; XS2A API for unified access to bank accounts or credit card accounts via FinTS or Screen-Scraper (access-to-account only, no payment initiation); SEPA API for parsing and generating various financial data formats including pain.001/.002/.008, camt.052/.053/.054, SWIFT MT-940/942/571/535/513/515/536, DTAZV, and SUPA. The BankAccessServer provides a unified REST API for account information, payment transactions, and bank communication via FinTS, EBICS, PSD2/Berlin Group, and Screen-Scraper. APIs are written in Visual C# compiled for .NET Standard 2.0, compatible with .NET Framework 4.8 and .NET Core 2.0. Test servers available for FinTS and EBICS development. OpenAPI/Swagger documentation available. Developer documentation is at subsembly.com/apidoc/index.html.
What industry is Subsembly in?
Subsembly's product category is Banking Software. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement. Its NAICS code is 52239.