Kontomatik is a Polish open banking provider that gives businesses access to bank account data. Its core product is a read-only API that imports transactions and account information from banks in several European countries. It also offers identity verification, income and spending checks, analysis of PDF bank statements and risk scoring. Its customers are typically lenders, fintech companies and other organisations that verify financial information.
Kontomatik sp. z o.o. is based in Warsaw, and the group also has a Lithuanian company in Vilnius. The privacy policy states that personal data as a rule is not transferred outside the European Economic Area, although IT subcontractors may be located outside it. The website publishes a GDPR information notice and a data protection officer contact. The service is an API, not described as open source or self-hostable. For a European organisation, the location of the API infrastructure and of subcontractors are the points to check, as the public pages do not name them.