This document explains how to integrate with Nordigen API to connect to your users’ bank accounts and access account information from bank PSD2 APIs. Nordigen API is a set of endpoints that allows you to integrate our Account Information solution with your system. All responses will be shown in JSON format. All endpoints require the Authorization token.
Before you start, please make sure you have acquired a token from Nordigen's Open Banking Portal.
To jump-start your integration, head straight to the Quickstart Guide.
If you’re looking for Transaction Categorisation and Insights API documentation, click here.
Account Information solution can access up to 24 months of transaction history as well as up to 90 days of continuous access to account information.
Our Account Information solution provides access to the following data:
Our Account Information solution is available in all European Economic Area countries that are subject to PSD2 regulation. In all these countries Nordigen (Nordigen Solutions Ltd.) operates as an authorized AISP. You can see the full bank coverage in each country here.
To use Account Information, you are required to sign up to Nordigen's Open Banking Portal and acquire an access token.
Access tokens are used for client authentication and API request authorization. The access token is provided through the HTTP authorization header.
Banks may impose rate limits, down to 4 API calls per day for every account. Each endpoint (details, balances, transactions) has it own rate limit. If you exceed the rate limit, you will get an error.
The diagram below depicts an example of the customer journey for our clients' end users.
* Certain ASPSPs do not provide their views for user authentication; they rely on the client - in this case, Nordigen - to provide means of collecting the end-user credentials. Nordigen does not store nor process the end-user credentials!
Nordigen uses regulated open APIs applying data authentication as depicted in the diagram.
When signing up on Nordigen's Open Banking Portal you will be required to provide details on your company or about yourself in case you intend to use our service for private purposes. Some of these details will be shown to an end user to inform her on involved parties. When signing up your account you will have "Non-verified" status and end users will see an informative message (see image).
Once you are ready to go into production and wish us to remove that informative message, we will verify your details. Please write to firstname.lastname@example.org that you intend your account to be verified to initiate this process. In most cases the information you provided when signing up will be sufficient for us to do the verification while in some we might ask for some clariifcation. The requests are processed within 1 business day.
NB! There are no limitations to non verified accounts other than the aforementioned message to end users.