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BSGo API Integration Guide
Polish Cooperative Bank Data via PolishAPI AIS
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INTRODUCTION
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BSGo is the Asseco Poland mobile banking application serving individual
and business clients across Poland's cooperative banking sector
(banki spoldzielcze). Built on the Asseco CBP mini-application front
end over the def3000 core banking system, it gives millions of
cooperative-bank customers access to balances, transaction history,
deposits, BLIK payments, and more — all from a single app published
under package com.asseco.poland.mobile.auth.bank.prodma.
For developers and product teams, BSGo represents one of the most
structured open banking integration opportunities in the Polish market.
The entire cooperative banking tier is covered by PolishAPI, the
account-access standard maintained by the Polish Bank Association (ZBP)
under PSD2. That alignment means a well-executed AIS consent integration
can unlock rich, real-time financial data from any of Poland's cooperative
banks through a single, regulated access model — without proprietary
workarounds or unstable scraping dependencies.
OpenBanking Studio maps BSGo's real data surfaces to runnable API
integrations, delivering OpenAPI specifications, protocol reports,
source code, and automated tests scoped to what your product actually
needs. Whether you are building a lending tool, an accounting sync,
a family-finance product, or a treasury dashboard, BSGo account data
is reachable through a compliant, durable path.
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SUPPORTED API FEATURES
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BSGo exposes a wide set of financial data domains through its PolishAPI
AIS-compliant interface and authorized protocol analysis fallback.
The following features are supported within an integration engagement:
• PolishAPI AIS Consent Access
Customer-granted consent under PSD2 enables structured read
access to accounts, balances, and transaction history through
each cooperative bank's regulated AIS endpoint.
• Account Balance and Funds Retrieval
Near real-time per-account balance reads, including the
pre-login balance peek surface available in BSGo.
• Full Transaction and Credit History
Dated, paginated posting history with counterparty data,
plus credit facility balances and repayment schedules.
• Deposit Lifecycle Tracking
Read deposit term, rate, and principal per instrument;
supports open, close, and status operations as surfaced
in the BSGo deposit module.
• BLIK and FX Transfer Monitoring
Per-transaction BLIK activity including in-store, online,
and ATM withdrawals; PLN and foreign-currency transfer
instructions with per-instruction status.
• BSGo Junior and Parent Panel Data
Allowance cycles, Piggy Bank goals, and parental approval
states for BSGo Junior accounts — modelled as a distinct
parent-child relationship, not flattened into a plain account.
• Multi-Profile and Business Account Routing
Personal-to-business profile switching and MojeID identity
context, including multi-signature corporate authorization
rules modelled as a separate dimension.
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USE CASES & APPLICATIONS
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BSGo account data serves a broad range of product categories in the
Polish fintech and enterprise space. Below are five primary application
areas where PolishAPI AIS integration with BSGo delivers the most value.
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[1] LENDING AND CREDIT DECISIONING
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• Read balance and credit history directly from the applicant's
cooperative-bank account with their consent
• Eliminate manual statement uploads and PDF parsing workflows
• Size loan offers based on verified, near real-time cash position
• Monitor repayment behavior against credit facility schedules
• Integrate affordability checks into instant-decision loan pipelines
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[2] ACCOUNTING AND BOOKKEEPING AUTOMATION
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• Pull dated transaction history for companies banking with
cooperative institutions, refreshed on a nightly or hourly cycle
• Auto-categorize postings using counterparty and title fields
returned in the transaction payload
• Sync cooperative-bank ledger entries into ERPs, accounting
platforms, or custom bookkeeping tools
• Maintain audit-trail records with timestamped, per-posting data
• Support multi-entity businesses that operate across several
cooperative banks under a single consent model
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[3] FAMILY FINANCE AND YOUTH BANKING PRODUCTS
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• Mirror BSGo Junior Piggy Bank goals into a companion app UI
• Surface allowance cycle status and remaining balance to parents
• Relay parental approval state for child-initiated transfer requests
• Build age-tiered financial education products backed by real
account data from the BSGo Junior and Parent Panel
• Represent the parent-child account relationship accurately rather
than treating junior accounts as standard personal accounts
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[4] TREASURY AND DEPOSIT MANAGEMENT
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• Track deposit terms, rates, and principal amounts across multiple
cooperative banks held by a single corporate customer
• Alert treasury teams when deposit maturity dates approach
• Aggregate FX and PLN transfer statuses into a unified
cash-position dashboard
• Feed real-time balance data into treasury management systems
alongside manual entries or other bank feeds
• Monitor multi-signature transfer authorization states for
corporate profiles operating under business login rules
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[5] REAL-TIME ALERTS AND FINANCE TEAM WORKFLOWS
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• Forward BSGo account event notifications as webhooks into
downstream systems such as Slack, Microsoft Teams, or ERPs
• Trigger automated workflows on specific transaction types,
counterparties, or threshold amounts
• Combine BLIK transaction events with spending analytics pipelines
• Deliver instant low-balance or large-debit alerts to finance
team channels without polling delays
• Build reconciliation automation that fires on each incoming
posting rather than running end-of-day batch jobs
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BENEFITS & ADVANTAGES
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Integrating BSGo account data through OpenBanking Studio's PolishAPI
AIS engagement delivers measurable advantages across compliance,
durability, and product velocity.
✓ Regulated Access Route
PolishAPI AIS is the PSD2-compliant standard supervised by
the KNF; access does not depend on proprietary or fragile
UI scraping approaches.
✓ Covers the Entire Cooperative Banking Tier
Every banki spoldzielcze is a covered institution under
PolishAPI; one integration model reaches the full market
segment BSGo serves.
✓ Per-Institution Routing Without Extra Work
The shared BSGo app hides per-bank endpoint differences;
OpenBanking Studio resolves the ASPSP base URL from the
customer's account so multi-bank customers are handled
correctly under one consent.
✓ Rich Data Domains Beyond Core Ledger
Deposit lifecycle, BSGo Junior parent-child state, BLIK
per-transaction records, and event-alert payloads are
reachable via the authorized protocol-analysis fallback
where AIS scope stops short.
✓ Durable Against App UI Changes
The AIS route is insulated from Asseco CBP front-end
updates; the fallback route uses change-detection checks
on parsed fields so regressions surface early.
✓ Consent-First, Privacy-by-Design Architecture
Consent is customer-granted and time-boxed per the
PolishAPI standard; integrations minimise field pulls to
what the use case requires and keep consent logs and
access records throughout the engagement.
✓ Flexible Commercial Model
Start at $300 for a one-time source and auth-flow delivery,
or use the hosted pay-per-call API with no upfront fee —
invoice after delivery, only when it runs on your side.
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SUBSCRIPTION PLANS
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OpenBanking Studio offers two engagement models for BSGo integration,
both scoped to real cooperative-bank account surfaces rather than
generic banking templates.
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SOURCE DELIVERY (from $300)
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• Full OpenAPI specification for account, balance, transaction
history, deposit, and transfer-status operations
• Protocol and auth-flow report covering consent grant,
OAuth2 authorization-code exchange with PSD2 QWAC certificate,
token refresh, and per-bank endpoint resolution
• Runnable source in Python and Node.js for session, account
list, paged transactions, deposit read, and transfer status
• Automated tests against sandbox or consenting account,
including consent-expiry and re-confirmation paths
• Interface documentation plus data-retention and
consent-logging guidance scoped to PolishAPI and KNF posture
• Invoiced after delivery; no upfront payment required
• Delivery cycle: one to two weeks
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HOSTED PAY-PER-CALL API
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• Call OpenBanking Studio endpoints for BSGo account data
without managing the integration yourself
• No upfront fee; pay only for the calls your product makes
• Same data coverage as the source delivery model
• Suitable for lower-volume use cases or rapid prototyping
• Scales alongside your product without infrastructure overhead
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CONCLUSION
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BSGo is the entry point to Poland's cooperative banking sector for any
product that needs real, consent-backed financial data from banki
spoldzielcze. The PolishAPI AIS standard makes that data accessible
through a compliant, KNF-supervised route — and OpenBanking Studio
maps every relevant surface of BSGo to a runnable integration so your
team does not have to.
Whether the goal is automated bookkeeping, instant credit decisioning,
family-finance features backed by real Junior account data, or
treasury dashboards that span multiple cooperative banks, the data
is there and the regulated path exists. The engagement is scoped to
what your product needs, priced on delivery, and arranged around the
consenting account your use case requires.
If you are building on cooperative-bank data in Poland or scoping
a multi-bank open banking integration that includes the banki
spoldzielcze tier, BSGo is the app to start with.
To review the full data mapping, the PolishAPI AIS route, and the
technical scope of what an integration delivers, visit the integration
detail page and start a conversation about your use case.
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Access the full BSGo integration guide and start a scoping conversation:
https://openbankingstudio.com/bsgo.html
