Payment Accounts

We will deliver PSD2 Payment Accounts for Individual customers, providing they have a valid KYC (Know Your Customer) at Handelsbanken. If there isn't a valid KYC, you (as the TPP) will receive a 403 error code when trying to retrieve account information. Please refer the customer to the Bank / their online banking.

Transactions

For Individual customers, the maximum period of transactions retrieved for accounts and cards in SEK currency is 15 months. For accounts and cards in other currencies, the maximum period of transactions is 13 months back from today.

The maximum amount of account and card transactions is 600, for any given period. A message will be delivered if the number of transactions to be retrieved exceeds the maximum. If this is the case, please limit the search.

Search transactions
- There's an option to search for transactions by entering a date interval.
- The results show transactions by bookingDate order.
- Booked and pending transactions are delivered.
Note: a transfer with a transactionDate = Saturday will be included in the results when the date interval includes the following Monday.

Rules for date intervals:
1) If dateTo is not provided, it is set to the current date (i.e. today). If dateFrom is provided, transactions are delivered between dateFrom and dateTo (today).
2) If dateFrom is not provided, it is set to one month back from dateTo. Transactions between dateFrom and dateTo are delivered.
3) If dateTo and dateFrom are not provided, dateTo is set to the current date (i.e. today) and dateFrom is set to one month back from today. Transactions between dateFrom and dateTo are delivered. e.g. 2020-02-19 - 2020-03-19

Mobile BankID

Please note that if the SCA method ”Mobile BankID” is selected, and the Mobile BankID wasn't issued by Handelsbanken (i.e. another bank issued it), it needs to be activated before it can be used. This is achieved by the end user (PSU) logging into the Handelsbanken online services (for the first time).

Payment Accounts

We will deliver PSD2 Payment Accounts for Corporate customers.

Transactions

For Corporate customers, the maximum period of transactions retrieved for accounts is 14 months back from today or at most 2 900 transactions. If no period is given then we will deliver the current month and 3 months back, but no more than 600 transactions. If the date specified is one day, we can deliver a maximum of 2 900 transactions. If more than one day is specified, we will deliver a maximum of 600 transactions. A message will be delivered if the number of transactions to be retrieved exceeds the maximum. If this is the case, please limit the search.

Search transactions
- There's an option to search for transactions by entering a date interval.
- The results show transactions by bookingDate order.
- Booked and pending transactions are delivered.

Rules for date intervals:
1) If dateTo is not provided, it is set to the current date (i.e. today). If dateFrom is provided, transactions are delivered between dateFrom and dateTo (today).
2) If dateFrom is not provided, it is set to 3 months back from dateTo. Transactions between dateFrom and dateTo are delivered.
3) If dateTo and dateFrom are not provided, dateTo is set to the current date (i.e. today) and dateFrom is set to the current month plus 3 months back. Transactions between dateFrom and dateTo are delivered. e.g. 2019-12-01 - 2020-03-19

Available balance

The available balance is provided for all accounts delivered in our Accounts API. The available balance for Sub-accounts includes any pending transactions as well as any internal credit limit set by the account holder of the Main account. Please note that the available balance on the Sub-account does not include the available amount on the Main account, which means that this balance does not fully represent funds available to make a payment.

PSU-Corporate-ID

For Corporate banking customers, when sending in a request using our Consent API, you need to add a "PSU-Corporate-ID" into the header. For Swedish Corporates, this will be their Organisation number or SHB number, and for Sole Traders (Enskild firma), it will be their Personal number, all of which are 10 digits. 

Corporate mandate

For the end user / agent (PSU) to be able to access the Corporate customer's account information or make payments, they need to have the appropriate permissions as per the Corporate mandate, as well as the "Additional service API Corporate". An end user's permissions can be updated by the Corporate customer's administrator in the Handelsbanken online services by going to “Administration” and then “Mandates”, or by contacting their local branch.

For an end user / agent (PSU) to be able to access a tier account (underkonto), a mandate from the owner of the main account (huvudkonto) is needed. 

Mobile BankID

If the SCA method ”Mobile BankID” is selected, and the Mobile BankID wasn't issued by Handelsbanken (i.e. another bank issued it), it needs to be activated before it can be used. This is achieved by the end user (PSU) logging into the Handelsbanken online services (for the first time).

An end user must also have the appropriate permission "Additional service Log in with Mobile BankID" if they wish to log in using Mobile BankID. This can be updated by the Corporate customer's administrator in the Handelsbanken online services by going to “Administration” and then “Mandates”, or by contacting their local branch.