OP PSD2 Confirmation of Funds API

Confirm availability of funds on an account.

In productionFree

OP PSD2 Confirmation of Funds API (CoF) allows you to check whether an OP customer's account has a certain amount of funds. The API is available for all Third-Party Providers who have an AISP licence and valid QWAC and QSEAL certificates.

  • Check whether an account has funds

    Make sure that an OP customer's account has a certain amount of funds.

  • Authentication and authorization

    Create and revoke authorization from the end user

Production issues

During office hours, you can contact us about any production issues via email at tpp-support@op.fi‍. Please provide us with the following information:

  • Date and time of the issue (including time zone)
  • Description of the issue
  • Full error response
  • authorizationId
  • clientId
  • x-fapi-interaction-id header value
  • authorization request JWT (when issue is with /oauth/authorize)

Outside office hours, please report production issues on op.fi‍ and send the ticket number to tpp-support@op.fi.‍ Include the following information in the report:

  • System: "PSD2 AWS API" or "PSD2 Authorization" depending on whether the issue is with API call or with authorization
  • Service: "PSD2 Account Information Service"

Do not include sensitive information such as client secret, API key or access token, when contacting us.

Take the API into use

Try the API out in the sandbox

Register on OP Developer and create a developer application. Read more detailed instructions for sandbox access.‍

Integrate and develop in production

Apply for an AISP or PISP licence from a financial authority and obtain valid QWAC and QSEAL certificates. Then, you can register for PSD2 APIs. Read more detailed instructions for production access.‍

Read more

Create innovative banking services with PSD2 APIs

OP PSD2 APIs‍

PSD2: Innovation and improved consumer rights in account and payment services

OP's PSD2 APIs up and running in production‍

Impacts of PSD2 on your daily banking

Now account data is no longer tied to one bank and strong identification is required more often. Read here what PSD2 is and how it changed banking.

New banking services and safer payments – Impacts of PSD2 on your daily banking (op.fi)‍

PSD2 Demo Application

PSD2 Demo Application‍

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