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Open Banking & PSD2

What is Open Banking?

Open Banking refers to the use of APIs that enable third party developers to build applications and services around financial institutions. Traditional closed banking is breaking up to give way to open access, transparent service, and most importantly of all, collaboration.

SEB's Developer Portal is our API catalogue for Open Banking.

What is PSD2?

PSD2 (Payment Service Directive 2) is an EU Directive, administrated by the European Commission. PSD2 regulates access between Account Servicing Payment Service Providers (ASPSP), Account Information Service Providers (AISP) and Payment Initiation Service Provider (PISP) relating to transaction account data.

How do I become an AISP or PISP?

To become an AISP you need to apply and register at your local National Competent Authorities (Finansinspektionen in Sweden) to obtain a PSD2 certificate for your company. To become a PISP you will need, in addition to the PSD2 certificate, authorization from your National Competent Authorities to conduct payment related activities. Please note that you must comply with any and all national rules pertaining to financial markets that are not your local market.

Where does SEB publish statistics about PSD2 APIs?

Publication of daily statistics, set out in Guidelines 2.2 and 2.3, on the availability and performance of the dedicated interfaces and of the interfaces made available to SEB customers for directly accessing their payment accounts online are updated on a quarterly basis and are found here.

Developer Portal

What is SEB's Developer Portal?

SEB's Developer Portal is an open API platform that lets you easily access financial solutions and seamlessly implement them in your apps. The APIs available in this portal are sandbox versions, and the documentation covers general principles, workflows as well as API functional and technical details. The portal also allows developers to experiment and build applications that will use the APIs before applying for production status.

Who can use the Developer Portal?

Anyone that wants to explore SEB's API Products and integrate them into applications can use the Developer Portal.

Do I have to be a SEB customer to use the Developer Portal?

No, you don't have to be a SEB customer to use the portal. But you have to provide us certain information when creating an account.

What does it cost to use the Developer Portal?

Using the Developer Portal doesn't cost anything. However, certain APIs may incur a fee when accessed in production.

How do I test APIs?

In our How it works guide you will find the necessary information to start use the APIs in our sandbox environment.

What data does the sandbox contain?

Our sandbox environment contains static test data in the same structure that is used in production.

What are Apps?

Apps is he short name for application, the app is used to manage the API credentials by the developer.

Can I name multiple apps the same name?

Apps could be created by using the same application name. When the application is created a Client ID and Client Secret are automatically generated by the system and this will be unique for each app.

Production Data

How can I get access to production data?

To gain access to production environment, you must have a registered account in SEB's Developer Portal. Once you are registered you can contact us to request access. We take the handling of our customers' data very seriously. Because of this all applications that requested access to production data will be analyzed thoroughly by the bank.
Calling production status APIs that provide sensitive customer data always requires customer consent.


What is an API?

An application programming interface (API) is a set of protocols for building software and applications . APIs allow programmers to access specific features or data of an application. SEB will provide RESTful APIs to access banking services over the HTTP protocol using the JSON format.

What authentication methods will SEB's APIs use?

SEB uses OAuth 2.0 framework to enable applications to obtain limited access to user data.

What is OAuth 2.0?

OAuth 2.0 is an open standard for access delegation, commonly used as a way for Internet users to grant websites or applications access to their information, most commonly using access codes and tokens on other websites but without giving them the passwords.

What is an access token and how do I get one?

An access token is generated in the OAuth 2.0 flow, and is triggered by the user giving consent to access data. SEB uses OAuth 2.0 to provide Access token or a Refresh token. These tokens ensure access only to those protected resources granted by the user.

  • The Access token is short lived and lasts 30 minutes.
  • The Refresh token is long lived and could be used to get an Access token.
I get this error message, what's going on?

In the API documentation you will find the possible error response codes specific to each operation. You can also find a general description of the most commonly used response codes used in SEB's APIs in the How it works section.

Contingency mechanism

SEB will provide a fallback solution to licensed TPPs. To get more information about the fallback and contingency mechanism request documentation at
Note, the PSD2 APIs is the primary channel for third party providers to access customer data and the fallback solution should only be used as a contingency solution in accordance with the PSD2 directive.

My Account

My activation link doesn't work. Why?

The activation link is "time sensitive" and expires after 24 hours. Just request a new activation link from the lost password page and you will receive a new e-mail and new activation link.

I am having trouble with my username and password, what can I do?

Verify that your browser settings "allow cookies" option is enabled.
If you still experience the same problem you can reset your password here.
If this does not solve your problem, do not hesitate to contact us by clicking here or email us directly at

How can I delete my account?

If you wish to delete your account just Contact Us. Please don't hesitate to tell us why you wish to delete your account.