Confirmation of Funds API

This API is suitable for providing a quick availability of funds on a specific payment account before a transaction is made.


The benefits of using our APIs

By using our PSD2 Confirmation of Funds API, you can retrieve confirmation on whether there are available funds in the customer's account before initiating a transaction.

The latest version of this API now includes a full consent flow.


Supported countries

Our Confirmation of Funds API currently supports customers based in Sweden, Great Britain, Finland and The Netherlands.

If you would like to access local APIs for Handelsbanken Norway (managed by an external provider), please visit Norway PSD2 APIs


Testing our APIs

When you've read through the documentation on this page and are ready to start some testing, please head over to this guide which will take you through the testing: Sandbox testing for Confirmation of Funds (CBPII)

APIs and versions in Sandbox

CoF v2 (SE, FI, NL)

CoF GB v1


Implementing our Live APIs

When you've thoroughly tested our APIs and are ready to use our Live PSD2 APIs, you will first need to enroll with us. This can only be done by Third Party Providers that are authorised by their Local Competent Authority. If that applies to you, please follow this guide: Live Data Access

After enrolling, you'll then need to start implementing our PSD2 APIs. The guide for implementing the Confirmation of Funds API can be found here: Confirmation of Funds flow

At the very bottom of this page, you'll find links that will take you to the API product page where you can subscribe to our API (so you can test it) and under "Explore bundled APIs" you'll find further technical info.

APIs and versions in Live

CoF v2 (SE, FI, NL)

CoF GB v1


Country specific information

Here we have described important country specific information for this API that we would like you to be aware about:

Great Britain

For Individual customers based in GB, we cannot provide an available funds check on the following types of accounts:
- Impaired current accounts
- Current account mortgages
- Cash pool sub accounts

For Corporate customers based in GB, we cannot provide an available funds check on the following types of accounts:
- Impaired accounts
- Cash pool sub accounts
- Designated or client fund accounts


Available APIs

Follow the links below to subscribe to our APIs (for testing) and start exploring the product.

Sweden, Finland and The Netherlands: We have one Confirmation of Funds API that supports all three countries.

Great Britain: We have one Confirmation of Funds API for Individual and Corporate customers in Great Britain.

General Confirmation of Funds API

Confirmation of Funds API
v2 (SE, FI, NL)

Country specific API

Confirmation of Funds API GB v1