Where do I get ETF and fund data for a personal finance app in Europe?

What a personal finance app in Europe needs from a data source

• ISIN-first identification, since European brokers and statements use ISINs, not exchange tickers.
• Coverage of UCITS ETFs and funds, including accumulating and distributing classes and hedged variants.
• Consumer-friendly fields: what is in it, what it costs, how risky, how it did.
• Localised documents behind the figures (KIDs in German, French, Italian…).

Why FundFacts API fits

A US-centric market API sees iShares Core MSCI World UCITS ETF as four tickers with thin profiles; the API sees one ISIN with the full factsheet. GET /search?q= (free) gives users name-based search returning ISIN, currency and Acc / Dist so they pick the right class. KID cost and risk tables are parsed in EN, FR, DE, ES, IT and NL, and the DE and FR landing pages describe the product in those markets. POST /portfolio powers a "what do I really own" screen; @fundfactsapi/widgets renders the donuts and bars.

What it does not do

• No prices or tax data; the broker connection or a quote feed provides valuations, and tax logic is yours.
• Stocks and bonds the user holds are not funds and return 404; keep them as plain positions.

Start in ten minutes

1. Get a key at fundfactsapi.com/signup (Free plan, 15 lookups a month, no card).
2. Look up one fund and read the shape:

python
# pip install fundfacts   (or call https://fundfactsapi.com/api/v1/funds/{isin} with any HTTP client)
from fundfacts import FundFacts
​
ff = FundFacts()  # reads FUNDFACTS_API_KEY; free key at https://fundfactsapi.com/signup
fund = ff.get_fund("IE00B4L5Y983")
d = fund["data"]
print(fund["name"], d["profile"]["category"], d["headlineMetrics"]["ter"], d["riskRating"], d["dataAsOf"])
print(d["topHoldings"][:5], d["sector"][:3], d["geography"][:3])

1. Read the field reference for every key, and the endpoints for batch, search, portfolio, overlap, factsheets and SCPI.
2. If a coding agent is building it, point it at /llms-full.txt, the complete AGENTS.md for the API.

What it costs

Requests scale with distinct funds, not users: 1,000 distinct ISINs refreshed daily is about 30,000 requests a month (Scale, $249); a smaller universe fits Pro ($49). User views hit your cache. One request is counted per ISIN answered; search is free. Plans are on the pricing page.

Alternatives worth knowing

• A market-data API with ISIN support when you only need prices and names and no holdings, fees or risk indicators.
• Licensing a vendor database when you need ratings or want a single contract covering prices and reference data, at enterprise pricing.

The provider comparison and the compare pages go into each in more depth.