PSD2 will be used by Komplett Bank as the first step into the Open Banking environment. PSD2 enables customers to access account information and initiate payments from third-party providers.
Komplett Bank is offering the Open Banking API through a collaboration with Crosskey. Our developer portal and sandbox may be accessed here. Our APIs are based on the Open Banking standard, which you may read more on at Open Banking UK
By using our account information APIs, a customer may access information on her credit card, loan and deposit accounts in Komplett Bank through a third-party interface. Account information includes details on account balance and up to 90 days of transaction history.
Details on the relevant APIs are available at here
By using our payment initiation APIs, a customer may initiate payments from her credit card, loan and deposit accounts in Komplett Bank through a third-party interface.
Details on the relevant APIs are available at here.
The funds confirmation service allows the third-party provider to easily verify that sufficient funds are available before initiating payments.Details on the relevant APIs are available here
The first step is to be compliant with the required APIs in the PSD2 legislation, but Komplett Bank aims to extend to these APIs moving forward by adding support for further products and services.
API updatesOur APIs will be updated regularly, both to add new features, improve existing methods and fix bugs. New versions of the API will be added to the existing set, and you will have (at least) three months to upgrade your applications to the newest version. TPPs registered in our developer portal will be notified in advance when API versions in use are about to be retired.
All third-party providers (TPPs) must register with and obtain a license from their national competent authority (e.g. Finanstilsynet in Norway) as an account information service provider (AISP), a payment initiation service provider (PISP) and/or a payment instrument issuing service provicer (PIISP). Further details on the application process may be obtained from the national competent authority.
In addition to holding a valid license, all third-party providers must be able to verify their identity online. This is achieved through the use of technical certificates (QWAC and QCSeal) issued by qualified trust service providers (QTSP). For a list of approved QTSPs, please see https://www.openbankingeurope.eu/qtsps-and-eidas/.
If you’re experiencing issues with our APIs or have further questions regarding the Open Banking services, please get in touch with us on and we will be happy to assist you.
In the event that the dedicated Open Banking interface is unavailable, Komplett Bank provides a fallback mechanism for TPPs. TPPs will in these circumstances be able to access the online banking service on our web pages on behalf of the PSU. Please be aware of the limitations to such usage of the online banking service, as further described in the Article 33 (5) of the RTS, available .
PSD2 Performance Reports
We provide performance reports on both our PSD2-platform and our online bank. As a TPP, you may use these reports to compare how our dedicated PSD2 service performs compared to our online bank.