(window.webpackJsonp=window.webpackJsonp||[]).push([[48],{352:function(e,n,a){"use strict";a.r(n);var t=a(10),r=Object(t.a)({},(function(){var e=this,n=e._self._c;return n("ContentSlotsDistributor",{attrs:{"slot-key":e.$parent.slotKey}},[n("h1",[e._v("Open Banking Specifics in Norway")]),e._v(" "),n("h2",{attrs:{id:"authentication-flows-and-sca"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#authentication-flows-and-sca"}},[e._v("#")]),e._v(" Authentication flows and SCA")]),e._v(" "),n("p",[e._v("Norwegian banks primarily support "),n("strong",[e._v("redirect authentication flows")]),e._v(" for Open Banking, with\n"),n("strong",[e._v("BankID")]),e._v(" serving as the dominant Strong Customer Authentication (SCA) mechanism. "),n("strong",[e._v("BankID")]),e._v(" is\nNorway's national electronic identity system, operated by the banks themselves and widely used\nacross both private and corporate customers. However, some banks also offer alternative SCA methods\nsuch as through their own mobile apps.")]),e._v(" "),n("p",[n("strong",[e._v("BankID")]),e._v(" is the most commonly used variant, offering a user-friendly authentication experience,\nalthough it requires input of personal identification code and "),n("strong",[e._v("app-to-app switching")]),e._v(" is not\nsupported when Mobile BankID is installed on the device where authentication is initiated.")]),e._v(" "),n("h2",{attrs:{id:"major-banks-aspsps"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#major-banks-aspsps"}},[e._v("#")]),e._v(" Major Banks (ASPSPs)")]),e._v(" "),n("p",[e._v("The most widely used Norwegian ASPSPs, in order of significance, are:")]),e._v(" "),n("ul",[n("li",[n("a",{attrs:{href:"#dnb"}},[e._v("DNB")])]),e._v(" "),n("li",[n("a",{attrs:{href:"#sparebank-1"}},[e._v("SpareBank 1")])]),e._v(" "),n("li",[n("a",{attrs:{href:"#nordea"}},[e._v("Nordea")])]),e._v(" "),n("li",[n("a",{attrs:{href:"#handelsbanken"}},[e._v("Handelsbanken")])]),e._v(" "),n("li",[n("a",{attrs:{href:"#danske-bank"}},[e._v("Danske Bank")])])]),e._v(" "),n("p",[e._v("A full list of Norwegian banks (as per EBA) is available "),n("a",{attrs:{href:"https://enablebanking.com/open-banking-apis?country=NO",target:"_blank",rel:"noopener noreferrer"}},[e._v("here"),n("OutboundLink")],1),e._v(".")]),e._v(" "),n("h2",{attrs:{id:"payment-specifics"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#payment-specifics"}},[e._v("#")]),e._v(" Payment Specifics")]),e._v(" "),n("p",[e._v("All Norwegian banks support "),n("strong",[e._v("domestic credit transfers")]),e._v(" in "),n("strong",[e._v("NOK (Norwegian Krone)")]),e._v(" and\n"),n("strong",[e._v("SEPA Credit Transfers (SCT)")]),e._v(" in "),n("strong",[e._v("EUR")]),e._v(" via their open banking APIs.")]),e._v(" "),n("p",[n("strong",[e._v("Instant payments")]),e._v(" are well-established in Norway through the "),n("strong",[e._v("Straks")]),e._v(" real-time payment scheme,\nintroduced in 2013. Most Norwegian banks support instant payments for domestic NOK transfers,\nenabling real-time settlement between banks.")]),e._v(" "),n("p",[n("strong",[e._v("SEPA Instant Credit Transfers (SCT Inst)")]),e._v(" in EUR is not currently supported by majority of\nNorwegian banks.")]),e._v(" "),n("p",[e._v("Norwegian banks are "),n("strong",[e._v("not legally required")]),e._v(" to verify payee names against account numbers for\nNOK-denominated payments. According to the Financial Contracts Act, if a bank executes a payment\nto the specified account number, the payment is considered correctly executed regardless of whether\nthe payee's name matches.")]),e._v(" "),n("h2",{attrs:{id:"specifics-per-aspsp"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#specifics-per-aspsp"}},[e._v("#")]),e._v(" Specifics per ASPSP")]),e._v(" "),n("h3",{attrs:{id:"danske-bank"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#danske-bank"}},[e._v("#")]),e._v(" Danske Bank")]),e._v(" "),n("p",[e._v("Danske Bank in Norway uses redirect-based authentication flow with "),n("strong",[e._v("BankID")]),e._v(" or "),n("strong",[e._v("Mobilbank")]),e._v(" app\nfor Strong Customer Authentication. If the mobile app is installed on the device where authentication\nis initiated, automatic app-to-app switching will be performed.")]),e._v(" "),n("p",[e._v("The bank supports both domestic NOK transfers and SEPA EUR payments through its open banking\ninterface.")]),e._v(" "),n("h3",{attrs:{id:"dnb"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#dnb"}},[e._v("#")]),e._v(" DNB")]),e._v(" "),n("p",[e._v("DNB, Norway's largest bank, provides a comprehensive open banking interface supporting redirect\nauthentication flow with "),n("strong",[e._v("BankID")]),e._v(" for Strong Customer Authentication. Prior to redirect to the\nDNB's authentication web page PSUs are required to provide their user ID, which is Norwegian\nnational identity number for individuals or DNB-specific organization ID in the format XX12345 for\nlegal entities. Both domestic payments in NOK and SEPA payments in EUR are supported.")]),e._v(" "),n("h3",{attrs:{id:"handelsbanken"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#handelsbanken"}},[e._v("#")]),e._v(" Handelsbanken")]),e._v(" "),n("p",[e._v("Handelsbanken's Norwegian operations provide open banking services with redirect authentication\nflow and SCA either using "),n("strong",[e._v("BankID")]),e._v(" or "),n("strong",[e._v("Handelsbanken mobilbank")]),e._v(" app.")]),e._v(" "),n("p",[e._v("Both domestic payments in NOK and SEPA payments in EUR are supported.")]),e._v(" "),n("h3",{attrs:{id:"nordea"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#nordea"}},[e._v("#")]),e._v(" Nordea")]),e._v(" "),n("p",[e._v("In Norway, Nordea provides redirect authentication flow for Open Banking with "),n("strong",[e._v("BankID")]),e._v(" as the\nprimary SCA method.")]),e._v(" "),n("p",[e._v("Similar to other Nordic markets, when initiating payments Norwegian Nordea users need to perform\ntwo SCAs: first for getting the list of available accounts and second for the actual payment\nconfirmation. The first SCA step can be avoided if the "),n("strong",[e._v("debtor account")]),e._v(" is known beforehand.")]),e._v(" "),n("p",[e._v('For the business users Nordea provides multiple account types managed through different systems.\nOpen banking APIs differ for this systems and correspondingly when using Enable Banking API\nend-users have to choose different "brands" depending on the system they use. Available the options\nare:')]),e._v(" "),n("ul",[n("li",[e._v("Nordea (for the users of "),n("a",{attrs:{href:"https://corporate.nordea.no/",target:"_blank",rel:"noopener noreferrer"}},[e._v("Nordea Business"),n("OutboundLink")],1),e._v(", which is used mostly by\nSME customers),")]),e._v(" "),n("li",[e._v("Nordea Corporate (for the users of "),n("a",{attrs:{href:"https://solo.nordea.com/",target:"_blank",rel:"noopener noreferrer"}},[e._v("Nordea Corporate Netbank"),n("OutboundLink")],1),e._v(", which is\nmainly used by larger companies),")]),e._v(" "),n("li",[e._v("Norde First Card (for the users of "),n("a",{attrs:{href:"https://www.firstcard.no/no/loginnets.jsp",target:"_blank",rel:"noopener noreferrer"}},[e._v("Nordea First Card"),n("OutboundLink")],1),e._v("\nproviding payment cards for businesses).")])]),e._v(" "),n("h3",{attrs:{id:"sparebanken-norge"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#sparebanken-norge"}},[e._v("#")]),e._v(" Sparebanken Norge")]),e._v(" "),n("p",[e._v("Sparebanken Norge, previously Sparebanken Vest and Sparebanken Sør, operates in open banking under the old names until the technical merger of their open banking APIs.")]),e._v(" "),n("h4",{attrs:{id:"nordea-sandbox-availability"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#nordea-sandbox-availability"}},[e._v("#")]),e._v(" Sandbox Availability")]),e._v(" "),n("p",[e._v("Nordea provides a sandbox environment suitable for end-to-end testing including authorisation\nflows, account information retrieval, and initiation of payments.")]),e._v(" "),n("p",[e._v("It is available through the Enable Banking API's sandbox environment. Please refer to the\n"),n("RouterLink",{attrs:{to:"/api/sandbox/#nordea"}},[e._v("Sandbox Credentials")]),e._v(" section for the credentials to be used\nfor authentication in the Nordea sandbox.")],1),e._v(" "),n("p",[e._v("The sandbox environment is also available for Nordea Corporate and Nordea First Card.")]),e._v(" "),n("h3",{attrs:{id:"sparebank-1"}},[n("a",{staticClass:"header-anchor",attrs:{href:"#sparebank-1"}},[e._v("#")]),e._v(" SpareBank 1")]),e._v(" "),n("p",[e._v("SpareBank 1 (including various regional Sparebank 1 entities) offers open banking services with\nredirect authentication flow and SCA using "),n("strong",[e._v("BankID")]),e._v(". In order to authenticate, PSU must choose\ntheir regional SpareBank 1 as the banks operate dedicated open banking interface for each region.")]),e._v(" "),n("p",[e._v("The bank supports both domestic NOK payments and SEPA EUR transfers.")])])}),[],!1,null,null,null);n.default=r.exports}}]);