(window.webpackJsonp=window.webpackJsonp||[]).push([[43],{347:function(a,t,e){"use strict";e.r(t);var n=e(10),i=Object(n.a)({},(function(){var a=this,t=a._self._c;return t("ContentSlotsDistributor",{attrs:{"slot-key":a.$parent.slotKey}},[t("h1",[a._v("Open Banking Specifics in Lithuania")]),a._v(" "),t("h2",{attrs:{id:"authentication-flows-and-sca"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#authentication-flows-and-sca"}},[a._v("#")]),a._v(" Authentication flows and SCA")]),a._v(" "),t("p",[a._v("Lithuanian banks rely primarily on "),t("strong",[a._v("redirect flows")]),a._v(" for Open Banking authentication.\nCommon authentication mechanisms used by banks in Lithuania are "),t("strong",[a._v("Smart-ID")]),a._v(" and "),t("strong",[a._v("Mobile-ID")]),a._v(".\nAutomatic app switching is generally not supported by Lithuanian banks and input of credentials\nsuch as personal code and/or phone number is required on the banks' open banking login pages\nprior to SCA.")]),a._v(" "),t("h2",{attrs:{id:"major-banks-aspsps"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#major-banks-aspsps"}},[a._v("#")]),a._v(" Major Banks (ASPSPs)")]),a._v(" "),t("p",[a._v("The most widely used Lithuanian ASPSPs, in order of significance, are:")]),a._v(" "),t("ul",[t("li",[t("a",{attrs:{href:"#seb"}},[a._v("SEB")])]),a._v(" "),t("li",[t("a",{attrs:{href:"#swedbank"}},[a._v("Swedbank")])]),a._v(" "),t("li",[t("a",{attrs:{href:"#luminor"}},[a._v("Luminor")])]),a._v(" "),t("li",[t("a",{attrs:{href:"#artea"}},[a._v("Atrea")]),a._v(" (formertly Šiaulių Bankas)")]),a._v(" "),t("li",[t("a",{attrs:{href:"#revolut"}},[a._v("Revolut")])]),a._v(" "),t("li",[t("a",{attrs:{href:"#paysera"}},[a._v("Paysera")])]),a._v(" "),t("li",[t("a",{attrs:{href:"#urbo"}},[a._v("URBO")])])]),a._v(" "),t("h2",{attrs:{id:"payment-specifics"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#payment-specifics"}},[a._v("#")]),a._v(" Payment Specifics")]),a._v(" "),t("p",[a._v("All Lithuanian banks support "),t("strong",[a._v("SEPA Credit Transfers (SCT)")]),a._v(" in "),t("strong",[a._v("EUR (Euro)")]),a._v(" via their open\nbanking APIs. Also support for "),t("strong",[a._v("Instant SEPA Credit Transfers (SCT Inst)")]),a._v(" is widespread, as most\nLithuanian banks have adopted SCT Inst and typically process eligible payments instantly.")]),a._v(" "),t("h2",{attrs:{id:"specifics-per-aspsp"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#specifics-per-aspsp"}},[a._v("#")]),a._v(" Specifics per ASPSP")]),a._v(" "),t("h3",{attrs:{id:"artea"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#artea"}},[a._v("#")]),a._v(" Artea")]),a._v(" "),t("p",[a._v("Artea, formerly knows as Šiaulių Bankas, provides a fully functional PSD2 API supporting the\nredirect authentication flow. Both "),t("strong",[a._v("Smart-ID")]),a._v(" and "),t("strong",[a._v("Mobile-ID")]),a._v(" can be used for SCA. Automatic\napp switching is not supported.")]),a._v(" "),t("p",[a._v("For authorisation of access to account transactions over 90 days old (and up to a year) users have to perform additional\nSCA (for each of the accounts separately). There is no time limit for fetching historical transactions after authorisation.")]),a._v(" "),t("h4",{attrs:{id:"artea-sandbox-availability"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#artea-sandbox-availability"}},[a._v("#")]),a._v(" Sandbox Availability")]),a._v(" "),t("p",[a._v("Artea provides a sandbox environment suitable for end-to-end testing including authorisation\nflows, account information retrieval, and initiation of payments.")]),a._v(" "),t("p",[a._v("It is available through the Enable Banking API's sandbox environment. Please refer to the\n"),t("RouterLink",{attrs:{to:"/api/sandbox/#artea"}},[a._v("Sandbox Credentials")]),a._v(" section for the credentials to be used\nfor authentication in the Artea sandbox.")],1),a._v(" "),t("h3",{attrs:{id:"citadele"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#citadele"}},[a._v("#")]),a._v(" Citadele")]),a._v(" "),t("p",[a._v("Citadele operates in Lithuania, providing unified Open Banking services across the Baltic states.")]),a._v(" "),t("h4",{attrs:{id:"citadele-sandbox-availability"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#citadele-sandbox-availability"}},[a._v("#")]),a._v(" Sandbox Availability")]),a._v(" "),t("p",[a._v("Citadele provides a sandbox environment suitable for end-to-end testing including authorisation\nflows, account information retrieval, and initiation of payments.")]),a._v(" "),t("p",[a._v("It is available through the Enable Banking API's sandbox environment. Please refer to the\n"),t("RouterLink",{attrs:{to:"/api/sandbox/#citadele"}},[a._v("Sandbox Credentials")]),a._v(" section for the credentials to be used\nfor authentication in the Citadele sandbox.")],1),a._v(" "),t("h3",{attrs:{id:"luminor"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#luminor"}},[a._v("#")]),a._v(" Luminor")]),a._v(" "),t("p",[a._v("Luminor provides an open banking interface that supports redirect authentication flow with\nStrong Customer Authentication (SCA) handled using "),t("strong",[a._v("Smart-ID")]),a._v(" or "),t("strong",[a._v("Mobile-ID")]),a._v(". Automatic app\nswitching is not supported.")]),a._v(" "),t("p",[a._v("For authorisation of access to account transactions over 90 days old (and up to a year) users have to perform additional\nSCA (for each of the accounts separately). Historical transactions are only available for fetching for 5 minutes after\nauthorisation.")]),a._v(" "),t("h3",{attrs:{id:"paysera"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#paysera"}},[a._v("#")]),a._v(" Paysera")]),a._v(" "),t("p",[a._v("Paysera is a licensed electronic money institution (EMI) and provides payment accounts for both\nbusinesses and private individuals. In its open banking interface Paysera supports redirect\nauthentication flow with Strong Customer Authentication (SCA) performed using the Paysera mobile\napp.")]),a._v(" "),t("h3",{attrs:{id:"revolut"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#revolut"}},[a._v("#")]),a._v(" Revolut")]),a._v(" "),t("p",[a._v("Revolut uses the redirect authentication flow with SCA performed either through the Revolut mobile\napp (when authentication is initiated from on the device where the mobile app is installed) or\nthrough the combination of the PIN, approval via the Revolut mobile app and the code sent via SMS.\nOn the devices where the mobile app is installed, the automatic app switch is supported.")]),a._v(" "),t("h4",{attrs:{id:"revolut-account-type-coverage"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#revolut-account-type-coverage"}},[a._v("#")]),a._v(" Account Type Coverage")]),a._v(" "),t("p",[a._v("Credit card accounts are available through the Revolut PSD2 API. However, they are only visible and\ncan be selected by the Payment Service User (PSU) when performing the consent flow directly in the\nRevolut mobile app. Credit card accounts do not appear in the Revolut web-based consent flow.")]),a._v(" "),t("h3",{attrs:{id:"seb"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#seb"}},[a._v("#")]),a._v(" SEB")]),a._v(" "),t("p",[a._v("SEB provides an open banking interface that supports redirect authentication flow with Strong\nCustomer Authentication (SCA) handled using "),t("strong",[a._v("Smart-ID")]),a._v(", "),t("strong",[a._v("Mobile-ID")]),a._v(", "),t("strong",[a._v("SEB Mobile App")]),a._v(" or\n"),t("strong",[a._v("Digipass")]),a._v(". Automatic app switching is not supported.")]),a._v(" "),t("h3",{attrs:{id:"swedbank"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#swedbank"}},[a._v("#")]),a._v(" Swedbank")]),a._v(" "),t("p",[a._v("In Lithuania Swedbank supports both "),t("strong",[a._v("redirect")]),a._v(" and "),t("strong",[a._v("decoupled")]),a._v(" authentication flows. Strong\ncustomer authentication is normally performed using "),t("strong",[a._v("Smart-ID")]),a._v(" or "),t("strong",[a._v("Mobile-ID")]),a._v(". Desktop users\nare redirected to the bank's login page. Automatic app switching is not supported.")]),a._v(" "),t("h4",{attrs:{id:"swedbank-account-holder-name-availability"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#swedbank-account-holder-name-availability"}},[a._v("#")]),a._v(" Account Holder Name Availability")]),a._v(" "),t("p",[a._v("The account holder’s name will not be available in the account list if the transactions scope has not been granted.")]),a._v(" "),t("h4",{attrs:{id:"swedbank-sandbox-availability"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#swedbank-sandbox-availability"}},[a._v("#")]),a._v(" Sandbox Availability")]),a._v(" "),t("p",[a._v("Swedbank provides a sandbox environment suitable for end-to-end testing including authorisation\nflows, account information retrieval, and initiation of payments.")]),a._v(" "),t("p",[a._v("It is available through the Enable Banking API's sandbox environment. Please refer to the\n"),t("RouterLink",{attrs:{to:"/api/sandbox/#swedbank"}},[a._v("Sandbox Credentials")]),a._v(" section for the credentials to be used\nfor authentication in the Swedbank sandbox.")],1),a._v(" "),t("h3",{attrs:{id:"urbo"}},[t("a",{staticClass:"header-anchor",attrs:{href:"#urbo"}},[a._v("#")]),a._v(" URBO")]),a._v(" "),t("p",[a._v("Prior to redirecting to the URBO's open banking authentication web page, users are required to\nprovide their ID used for authentication to URBO's online banking.")])])}),[],!1,null,null,null);t.default=i.exports}}]);