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ICA Banken ICA Banken APIs How it works Contact

Frequently asked questions

What is ICA Banken Open Banking?

Answer:

Open Banking allows developers to build applications and services around banks based on Open APIs. ICA Banken Open Banking pages and Developer Portal invites developers and companies to innovate and build services together with us, creating the next generation of digital services for ICA Banken’s customers through the use of Open APIs

What is an API?

Answer:

API stands for application programming interface and is a technique for sharing information between online services and applications.

What are the effects for ICA Banken's customers?

Answer:

Open Banking allows customers to use services built by other companies and give permission to those services to access customer’s bank data, if the customer has agreed to share it. It also gives the possibilities for ICA Banken customers to initiate payments from their payment accounts at ICA Banken through third party applications.

Services built on the ICA Banken Open Banking APIs will never get access to a customer's data without the customer specifically giving his/her consent to that application.

Is Open Banking safe?

Answer:

Customer safety is our first priority. Current ICA Banken Open Banking functionality is limited to test data, which is not real customer data. ICA Banken Open Banking functionality will be further expanded and, in parallel, new security measures will be added.

Open Banking is built on EU PSD2 regulation guidelines and puts customer rights and security in focus.

What is PSD2 and how does it relate to Open Banking?

Answer:

PSD2 (Payment Services Directive 2) is an EU Directive regulating payment services. Among other things, PSD2 regulates access from Account Information Service Providers (AISP) and Payment Initiation Service Provider (PISP) to payment accounts held at Account Servicing Payment Service Providers (ASPSPs).

EU has issued the PSD2 regulation that strives to make payments safer, increase consumer protection, foster innovation and competition while ensuring an equal playing field for all market players.

PSD2 stipulates that:

  • The customer can grant third-party service providers access to the customers payment account information at the customers’ bank;
  • The customer can grant third-party service providers permission to initiate payments from the customers ICA Banken bank accounts;
  • Authentication processes related to payment account information and payment transactions must adhere to updated rules on strong customer authentication.

ICA Banken will make this possible by creating open APIs that allow 3rd parties to integrate their services with ICA Banken.

Open APIs enables Open Banking which is a broader term covering access via open APIs to banks services in general, while PSD2 concerns only access to payment accounts.

Where can I get more information about ICA Banken Open Banking?

Answer:

You can send a message to our open banking support and ask your question and we will try to help you out.

› Contact us here

How do I become an AISP or PISP?

Answer:

To become an AISP (Account Information Service Provider) you need to apply and register at your local National Competent Authority (Finansinspektionen in Sweden) to obtain a license for your company. You also need a technical certificate from a QTSP (Qualified Trusted Services Provider).

To become a PISP (Payment Initiation Service Provider) you will need, in addition to the certificate, authorization from your National Competent Authority 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.

I'm experiencing problems with my username and password and I'm sure they are the correct?

Answer:

Check your browser settings to make sure the "allow cookies" option is enabled.

If the problem persists you can reset your password here.

Still having problems? Please contact us.

How do I delete my developer account?

Answer:

If you want to delete your developer account you need to Contact us, and we will help you with this. 

Which APIs are available in ICA Banken API Store?

Answer:

You can find our available APIs in our APIs.

What is ICA Banken's Terms of Use?

Answer:

Please read ICA Bankens terms of use here

What is Berlin Group standard?

Answer:

ICA Banken is following the Berlin Group standard for our APIs. Read more about Berlin Group Standard here

Which browser does ICA Banken's Open Banking support?

Answer:

We support these browsers today and we recommend that you use the lastest version:

  • Chrome
  • Safari
  • Edge
  • Internet Explorer
  • Samsung Internet