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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 Test Portal, a Developer Portal and this information site.
To register in our production environment please visit our portal here (please use Firefox or Chrome for the best user exprience).
To register in our test environment please visit our portal here (please use Firefox or Chrome  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


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 180 days. For the PIS API the customer must sign every payment initiation. 


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

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.