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 and the Netherlands. Access to the API for customers in Finland and Luxembourg is currently under development.

If you would like to access local APIs for Handelsbanken Denmark and Norway, please follow the links below.

Denmark PSD2 APIs

Norway PSD2 APIs

Versions available

Live Data

CoF v2 (SE, GB, NL)


CoF v2 (SE, GB, NL, FI)


  • Quick balance check 
  • Good for card-based
  • Secure upcoming

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

Please note that for Handelsbanken Denmark and Handelsbanken Norway, the PSD2 APIs are handled by a third party service provider where you'll need to separately sign-up and register.

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.

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