It's incredible that the banks tolerated this service even though they told their customers to not to give their credentials to a 3rd party. Or not just banks, how about the German Federal Office for Information Security.

I wish the bank would just block accounts who they detect used the service with an error like "We think your credentials have been compromised" (then again the stupid customer will think it's the bank who got breached). Or give them a fine of e.g. 100 Euro for breaching their user agreement. Then again, this would lose them so many pissed-off customers.

P.S. As you seem to be a non-native English speaker, the word you wanted to use was "scrapes" not "scraps".