Handelsbanken APIs
Explore our APIs, test them in our Sandbox, develop your applications and discover the possibilities.
What is an API?
The term API is an acronym for Application Programming Interface and is a widely used software intermediary that allows applications to talk to each other so that information can be shared over a network. You can think of APIs as digital building blocks that receive requests and send responses, allowing data to be transferred safely and securely.
Due to PSD2 (the revised Payment Services Directive 2), Open Banking APIs now open up a world of possibilities for our customers and the financial services available to them via Third Party Providers (TPPs).
Whilst APIs are not new in the world of tech, they are new in terms of banking and thanks to the Open Banking ecosystem, they are now widely offered across banks.
How using our APIs can benefit your services
For those TPPs (Third Party Providers) who offer financial services, we know it's important that you offer reliable, helpful, innovative and trustworthy services to customers. By using our APIs, you will be able to safely and securely retrieve account information, initiate payments and perform fund checks for millions of Handelsbanken customers.
Our aim is to provide you with the tools so that you can get creative, offer new financial services and allow our mutual customers the possibility of new customer experiences. When you have the right tools, the possibilities and opportunities will be endless!
How to start using our APIs
In order to use our APIs in the Sandbox (where you can test them out), all you need to do is Create an account (which is free of charge) and then you can access all of our documentation, check out our APIs and start testing.
To use our APIs for Live Data, there are a few more requirements...
1. You must have received authorisation from a Local Competent Authority to be a Third Party Provider (TPP).
2. You must have received a PSD2 eIDAS certificate (QWAC) or a UK Open Banking certificate (OBWAC) from a Qualified Trust Service Provider (QTSP).
If you've got the above and you feel comfortable with the testing you've done in the Sandbox, then it sounds like you're ready to access our Live Data. You can read more about how to enroll here Live Data Access
If you aren’t a certified TPP, you're more than welcome to try our APIs in our Sandbox environment, but you won't be able to access the Live Data unless you become an authorised TPP.
If you've already signed up for an account, then just Log in and head to Getting Started
Our APIs
The APIs listed below are the PSD2 APIs available as of today.
Click on the links below to read more information about the APIs such as the country specific pages which contain important business rules and you'll also find links to the API products where you can find the swagger files.
PSD2 Accounts Information API
GET /accounts
"accounts": [
{
"accountId": "ae577250-6cf3-11e9-9c41-e957ce7d7d69",
"iban": "SE5460000000000403333911",
"bban": "403333911",
"currency": "EUR",
"accountType": "Current Account",
"bic": "HANDSESS",
"clearingNumber": "6295",
"name": "Vacation Account",
"ownerName": "John Smith",
"_links": {
"transactions": {
"href":"/accounts/5a72e1531b6586f34a0d7ce3/transactions"
}
}
},
Our Account Information API provides you with our our mutual customers' account information, balances and transactions. Please visit our product information page to find out more.
PSD2 Card Account Information API
GET /card-accounts
"cardAccounts": [
{
"accountId": "ae577250-6cf3-11e9-9c41-e957ce7d7d69",
"cards": [
{
"maskedPan": "5123********3283"
}
],
"currency": "SEK",
"product": "Platinum",
"creditLimit": {
"currency": "SEK",
"amount": 2000
},
"balances": [
"balances":
{
"accountId": "ae577250-6cf3-11e9-9c41-e957ce7d7d69",
"iban": "SE5460000000000403333911",
"bban": "403333911",
"currency": "EUR",
"accountType": "Current Account",
"bic": "HANDSESS",
"clearingNumber": "6295",
"name": "Vacation Account",
"ownerName": "John Smith",
"_links": {
"transactions": {
Our Card Account Information API provides you with our mutual customers' card information, balances and transactions. Please visit our product information page to find out more.
PSD2 Confirmation of Funds API
POST /funds-confirmations
{
"cardNumber": 1234567890123456,
"account": {
"iban": "SE5460000000000403333911"
},
"payee": "ABC LTD",
"instructedAmount": {
"currency": "SEK",
"amount": 33633.25
}
}
Our Confirmation of Funds API provides you with a quick availability of funds on a given payment account. Please visit our product information page to find out more.
PSD2 Payment Initiation API
POST /payments/{paymentProduct}
"debtorAccount": {
"value": "401934551",
"accountType": "BBAN"
},
"instructedAmount": {
"currency": "GBP",
"amount": 1000.00
},
"paymentTypeInformation": {
"serviceLevel": {
"code": "NURG"
},
"categoryPurpose": {
"code": "EUSE"
}
},
Our Payment Initiation API enables you to develop solutions to initiate payments and transfers, both domestic and cross-border. Please visit our product information page to find out more.
You can find all of our APIs listed here All API products