Frequently asked questions

Does using your APIs cost something?

All our sandbox APIs are free to use, although some restrictions on the number of calls apply.

Following EU regulation, PSD2 APIs are free of charge also in production.

Pricing information about other than PSD2 production APIs is available for our partners and production users. Depending on the API, we use combinations of various pricing models based on revenue share, events, API calls and license fees.

How to get started with developing?

Just create an account and you will get access to our sandbox APIs. Our sandbox environment provides the same APIs as our production environment but with mock data.

How can I apply for production access?

Different APIs have different requirements for consumers, so the time it takes to approve production keys varies by API product. In addition, some APIs pose additional requirements for production access, such as appropriate licenses, or a suitable business case. Each application is processed on a case-by-case basis.

See detailed instructions on how to request production access in the API's documentation.

Note that you can only apply for production access to APIs which are explicitly stated to be in production. Follow our site and subscribe to the OP Developer newsletter to stay updated on the status of our APIs.

What is PSD2?

The Second Payment Services Directive (PSD2) requires that banks provide external developers access to Account Information Service (AIS), Payment Initiation Service (PIS), Confirmation of Funds (CBPII), and Strong Customer Authentication (SCA) through dedicated APIs.

Read more about PSD2

Are you opening more APIs than PSD2 requires? Which ones and when?

We are developing APIs for the entirety of our business landscape. We will offer APIs in banking, insurance, wealth investment management, digital identification, and more. As a diverse company with multiple business areas, we offer a wide range of opportunities for our partners and other software developers.

OP Developer was published in the beginning of 2018 with four APIs. As of 2019, we offer almost 20 APIs in our sandbox, with a steady stream of sandbox and production releases.

Browse our APIs

Who benefits from open APIs and how?

Most importantly, the end users and our customers will benefit from new, innovative services developed together with our partners and external developers.

To our partners, we can offer to our partners an opportunity to build diversified services, well-established and a trusted brand, a vast customer base and our strong expertise in the financial industry. We are also working hard to ensure that collaboration with us is as seamless, beneficial and rewarding as possible.

Also we, as a company, will benefit. Thanks to the open APIs, striving developer community and several partners, we are able to support our customers’ financial success and wellbeing better than before and thus secure our place in the digital ecosystems of the future.

I have a question about a specific API product. Whom can I contact?

Send us an email at and we will get back to you as soon as possible.

I have a business idea and I would like to cooperate with OP. How can I get in touch with you?

We are always on the lookout for interesting business ideas and partners. Send us an email at

How to stay updated about OP's latest API products and events?

We inform about new API product releases, events and other news on our newsletter.

Subscribe to the OP Developer newsletter