(window.webpackJsonp=window.webpackJsonp||[]).push([[45],{349:function(t,a,e){"use strict";e.r(a);var n=e(10),i=Object(n.a)({},(function(){var t=this,a=t._self._c;return a("ContentSlotsDistributor",{attrs:{"slot-key":t.$parent.slotKey}},[a("h1",[t._v("Open Banking Specifics in Latvia")]),t._v(" "),a("h2",{attrs:{id:"authentication-flows-and-sca"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#authentication-flows-and-sca"}},[t._v("#")]),t._v(" Authentication flows and SCA")]),t._v(" "),a("p",[t._v("Latvian banks rely primarily on "),a("strong",[t._v("redirect flows")]),t._v(" for Open Banking authentication.\nCommon authentication mechanisms used by banks in Latvia are "),a("strong",[t._v("Smart-ID")]),t._v(" and "),a("strong",[t._v("eParaksts mobile")]),t._v(".\nAutomatic app switching is generally not supported by Latvian banks and input of credentials such\nas personal code and/or phone number is required on the banks' open banking login pages prior to\nSCA.")]),t._v(" "),a("h2",{attrs:{id:"major-banks-aspsps"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#major-banks-aspsps"}},[t._v("#")]),t._v(" Major Banks (ASPSPs)")]),t._v(" "),a("p",[t._v("The most widely used Latvian ASPSPs, in order of significance, are:")]),t._v(" "),a("ul",[a("li",[a("a",{attrs:{href:"#seb"}},[t._v("SEB")])]),t._v(" "),a("li",[a("a",{attrs:{href:"#swedbank"}},[t._v("Swedbank")])]),t._v(" "),a("li",[a("a",{attrs:{href:"#luminor"}},[t._v("Luminor")])]),t._v(" "),a("li",[a("a",{attrs:{href:"#citadele"}},[t._v("Citadele")])]),t._v(" "),a("li",[a("a",{attrs:{href:"#revolut"}},[t._v("Revolut")])])]),t._v(" "),a("h2",{attrs:{id:"payment-specifics"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#payment-specifics"}},[t._v("#")]),t._v(" Payment Specifics")]),t._v(" "),a("p",[t._v("All Latvian banks support "),a("strong",[t._v("SEPA Credit Transfers (SCT)")]),t._v(" in "),a("strong",[t._v("EUR (Euro)")]),t._v(" via their open\nbanking APIs. Also support for "),a("strong",[t._v("Instant SEPA Credit Transfers (SCT Inst)")]),t._v(" is widespread, as most\nLatvian banks have adopted SCT Inst and typically process eligible payments instantly.")]),t._v(" "),a("h2",{attrs:{id:"specifics-per-aspsp"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#specifics-per-aspsp"}},[t._v("#")]),t._v(" Specifics per ASPSP")]),t._v(" "),a("h3",{attrs:{id:"citadele"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#citadele"}},[t._v("#")]),t._v(" Citadele")]),t._v(" "),a("p",[t._v("Citadele provides a fully functional PSD2 API supporting the redirect authentication flow.\nBoth "),a("strong",[t._v("Smart-ID")]),t._v(" and "),a("strong",[t._v("eParaksts mobile")]),t._v(" can be used for SCA. Automatic app switching is not\nsupported.")]),t._v(" "),a("h4",{attrs:{id:"citadele-sandbox-availability"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#citadele-sandbox-availability"}},[t._v("#")]),t._v(" Sandbox Availability")]),t._v(" "),a("p",[t._v("Citadele provides a sandbox environment suitable for end-to-end testing including authorisation\nflows, account information retrieval, and initiation of payments.")]),t._v(" "),a("p",[t._v("It is available through the Enable Banking API's sandbox environment. Please refer to the\n"),a("RouterLink",{attrs:{to:"/api/sandbox/#citadele"}},[t._v("Sandbox Credentials")]),t._v(" section for the credentials to be used\nfor authentication in the Citadele sandbox.")],1),t._v(" "),a("h3",{attrs:{id:"luminor"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#luminor"}},[t._v("#")]),t._v(" Luminor")]),t._v(" "),a("p",[t._v("Luminor provides an open banking interface that supports redirect authentication flow with\nStrong Customer Authentication (SCA) handled using "),a("strong",[t._v("Smart-ID")]),t._v(" or "),a("strong",[t._v("eParaksts mobile")]),t._v(".\nAutomatic app switching is not supported.")]),t._v(" "),a("p",[t._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.")]),t._v(" "),a("h3",{attrs:{id:"revolut"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#revolut"}},[t._v("#")]),t._v(" Revolut")]),t._v(" "),a("p",[t._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.")]),t._v(" "),a("h4",{attrs:{id:"revolut-account-type-coverage"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#revolut-account-type-coverage"}},[t._v("#")]),t._v(" Account Type Coverage")]),t._v(" "),a("p",[t._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.")]),t._v(" "),a("h3",{attrs:{id:"seb"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#seb"}},[t._v("#")]),t._v(" SEB")]),t._v(" "),a("p",[t._v("SEB provides an open banking interface that supports redirect authentication flow with Strong\nCustomer Authentication (SCA) handled using "),a("strong",[t._v("Smart-ID")]),t._v(", "),a("strong",[t._v("SEB Mobile App")]),t._v(", "),a("strong",[t._v("eParaksts mobile")]),t._v(",\n"),a("strong",[t._v("eID card")]),t._v(", or "),a("strong",[t._v("Code calculator")]),t._v(". Automatic app switching is not supported.")]),t._v(" "),a("h3",{attrs:{id:"swedbank"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#swedbank"}},[t._v("#")]),t._v(" Swedbank")]),t._v(" "),a("p",[t._v("In Latvia Swedbank supports both "),a("strong",[t._v("redirect")]),t._v(" and "),a("strong",[t._v("decoupled")]),t._v(" authentication flows. Strong\ncustomer authentication is normally performed using "),a("strong",[t._v("Smart-ID")]),t._v(" or "),a("strong",[t._v("eParaksts mobile")]),t._v(". Desktop\nusers are redirected to the bank's login page. Automatic app switching is not supported.")]),t._v(" "),a("h4",{attrs:{id:"swedbank-account-holder-name-availability"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#swedbank-account-holder-name-availability"}},[t._v("#")]),t._v(" Account Holder Name Availability")]),t._v(" "),a("p",[t._v("The account holder’s name will not be available in the account list if the transactions scope has not been granted.")]),t._v(" "),a("h4",{attrs:{id:"swedbank-sandbox-availability"}},[a("a",{staticClass:"header-anchor",attrs:{href:"#swedbank-sandbox-availability"}},[t._v("#")]),t._v(" Sandbox Availability")]),t._v(" "),a("p",[t._v("Swedbank provides a sandbox environment suitable for end-to-end testing including authorisation\nflows, account information retrieval, and initiation of payments.")]),t._v(" "),a("p",[t._v("It is available through the Enable Banking API's sandbox environment. Please refer to the\n"),a("RouterLink",{attrs:{to:"/api/sandbox/#swedbank"}},[t._v("Sandbox Credentials")]),t._v(" section for the credentials to be used\nfor authentication in the Swedbank sandbox.")],1)])}),[],!1,null,null,null);a.default=i.exports}}]);