When Direct Banking is installed, depending on the provider and the localization the listed permission set should be added to non-SUPER users that directly or indirectly use Direct Banking:

Provider Localization Permission Set
Ponto W1 / None BCB Direct Banking
Ponto NL BCB DBanking NL
Ponto BE BCB DBanking BE
Cobase W1 / None BCB Cobase Banking
Cobase NL BCB Cobase NL DB
Cobase BE BCB Cobase BE DB

For BC17 and below the permission sets cannot be embedded, so all individual applicable permission sets must be assigned.
Basically, all the permission sets listed below should be assigned to the users that directly or indirectly use Direct Banking when they exist in your installation:

Permission Set Targeted provider Targeted localization
DIRECT BANKING Ponto W1 / None
DIRECT BANKING NL Ponto NL
DIRECT BANKING BE Ponto BE
DIRECT BANKING COBASE Cobase W1 / None
Cobase Bank Connector NL Cobase NL
Cobase Bank Connector BE Cobase BE