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 API
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
Working with our APIs
For overall guidelines on how to implement our APIs, please head over to Technical Guidelines
For specific Confirmation of Funds guidelines, check out Confirmation of Funds flow
At the very bottom of this page, you'll find a link that will take you to the page where you can subscribe to our API (so you can test it) and under "Explore bundled APIs" you'll find the swagger files.
When you've thoroughly tested our APIs and are ready to go Live, we've created this guide to help you called Live Data Enrollment
Versions available
Live Data
CoF v2 (SE, FI, NL)
CoF GB v1
Sandbox
CoF v2 (SE, FI, NL)
CoF GB v1)
Features
- Quick balance check
- Good for card-based
transactions - Secure upcoming
transactions
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
Browse and explore API
In order to browse and explore our APIs please use a desktop sized browser.