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Open Banking platform

A new and secure way of managing your finances across multiple banks and other service providers.


Now you can link your payment accounts from different banks to one place

See accounts balances across banks in one place

See all your transactions

Initiate payments from another app/ service provider

Linking my payment accounts from different banks to SEB Internet Bank


Now you can link your payment accounts at different banks to SEB Internet Bank and to manage your finances in one place. The SEB Internet Bank will display your payment account details such as IBAN, account balance and account’s transaction list of the last 90 days.

How to link?

How does it work?

Giving access to your payment account

To access your payment accounts or initiate a payment via a Third Party service Provider’s webpage or mobile application, you will need to grant access rights to that service provider.

What access rights I might be asked to confirm?

Authorizing long-term consent

Adding your account to the Third Party Provider requires you to confirm a long-term Consent via SEB internet bank or Third Party Provider’s application – access rights to your payment account information up to 90 days.
During this period, you will be able to see account number (IBAN), name, balances and list of transactions without any additional confirmation

More on consent confirmation

Making payment via a Thrid Party Provider

To use your payment account for initiating payments on your behalf Third Party Provider will require you to confirm the payment either on Third Party service Provider’s webpage or mobile application or in SEB Internet bank.
For payments confirmation your authentication device might be required (e.g. enter PIN2 from your device using Smart ID application). However, some types of payments, for example payments between own accounts or low value payments might be executed without the need to use the authentication device.

For API Developers

Start using SEB Baltic Open Banking APIs today and enhance your business opportunities over the Baltics.

Develop once and use one integration to reach SEB customers in Estonia, Latvia and Lithuania


No. You will start to use Open Banking once you will give permission to a Third party provider’s app or website.

Any company that receives a special license from National Competent Authority in whole EU. Types of licenses:

  • Account Information Service Provider (AISP)
  • Payment Initiation Service Provider (PISP)

List of licensed TPPs could be found here:

No – Open Banking is free. Banks are implementing this initiative based on EU Payment Service Directive 2 (PSD2) and this will not affect bank’s current pricing for the customers. However, some TPPs apps and websites may choose to charge you for their products and services.

To start using Open Banking services via Third Party Provider’s application, you will need to grant the Third Party Provider access rights to your payment account data and to confirm your choice via SEB internet bank or Third party provider’s application.

Once authenticated, you will be invited to confirm the following access rights:

  • List of accounts - To get list of your payment accounts – IBAN number and payment account name.
  • Confirmation of funds - To check for sufficient amount of funds on your payment account.
  • Consent - To create a long-term consent for accessing your payment account information and send it to you for authorization. Consent will become valid only after you will confirm it additionally.
  • Account information - To get your payment’s account information - IBAN number, account name, balances and list of transactions if only you have authorized the consent. Access will be available only after you will confirm consent additionally.
  • Payments initiation - To initiate a payment on your behalf from your payment account and get respective payment details and status only you have given such a permission.

No. You will always need to approve a payment made from your account.

If money has been taken from your account without your authorization, contact your bank as soon as you notice. Depending on the circumstances, they may be able to pay your money back.

To use Open Banking, the banks and Third party providers have to comply with the strict rules of the Financial Services Authority and PSD2 (Payment Service Directive 2) regulatory requirements. You can check if Third party provider is regulated by visiting the European Banking Authority (EBA) registry.

PSD2 is an EU Directive, administered by the European Commission (Directorate General Internal Market). It regulates payment services and payment service providers throughout the European Union (EU) and European Economic Area (EEA). The Directive's purpose was to increase pan-European competition and participation in the payments industry also from non-banks (Third party providers), and to provide for a level playing field by harmonizing consumer protection and the rights and obligations for payment providers and users.

In accordance with data protection rules under both PSD2 and the General Data Protection Regulation (GDPR), account holders can exercise control over the transmission of their personal data. No data processing can take place without the express agreement of the consumer. Third party providers can only access and process the personal data necessary for the provision of the services the consumer has agreed to.