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Skandia Open Banking

Welcome to Skandia Open Banking.

Together we can create remarkable customer experiences.

By using our Application Programming Interfaces (APIs), fintechs and banks can leverage their complementary strengths to provide new, easy-to-use, secure and innovative services that will benefit the future customer.

Skandia Open Banking consists of an API Gateway, a Developer Portal and this information site.
To register in our production environment please visit our portal here (please use Firefox for the best user exprience).

Please read our technical documentation how to get started with our APIs.

If you have questions, please feel free to contact us

Security

Security

Customer consent

TPPs are responsible for obtaining a customer consent before calling the the AIS API. The customer consent is valid for a maximum of 90 days. For the PIS API the customer must sign every payment initiation. 

TLS

All communication is encrypted with TLS.

OAuth 2.0

We use the industry standard OAuth2 protocol for authorization. Your application will receive an access token and a refresh token.

Berlin Group standard

Berlin Group standard

Our APIs follow the NextGen PSD2 Berlin Group standard for PSD2 XS2A.

The standard covers:

  • Services (AIS, PIS and PIIS)
  • Technical specifications such as transport- and applicative protocols
  • Authorization protocols and data formats
  • Security features such as TPP identification with eIDAS certificates, data encryption etc

API documentation

The best way to learn more about our API products is to read more on this site include the technical documentation (pdf) and view swagger files in the Developer Portal.