Open Banking
More security through two-factor authentication, more options through open banking. The Payment Services Directive 2 (PSD2) of the European Union further increased security in online
payment transactions and opened up the market for new payment services.
This is Open Banking
With the Payment Services Directive 2 (PSD2), so-called third-party providers (TPP) are given the opportunity to access your data stored at the bank, for example to initiate payment orders for you - of course only with your explicit
consent, which you can revoke at any time.
Third-party providers are also subject to PSD2 and the respective national legislation and must also be registered and licensed with a national supervisory authority of the European Union. The increased security requirements within the framework of PSD2 apply equally to banks and third-party providers.
The most important services that you can use from third-party providers in the future:
Payment initiation services (PISPs): at the request of the payment service user, a payment service order is initiated in relation to a main account held with another payment service provider
Account information services (AISPs): at the request of the payment service user, consolidated information about main accounts with various payment service providers is made available to them by the account information service
Payment instrument service provider (PIISP): a third-party issuer can query the availability of an amount of money from the account-managing payment service provider
Third-party providers are also subject to PSD2 and the respective national legislation and must also be registered and licensed with a national supervisory authority of the European Union. The increased security requirements within the framework of PSD2 apply equally to banks and third-party providers.
The most important services that you can use from third-party providers in the future:
Payment initiation services (PISPs): at the request of the payment service user, a payment service order is initiated in relation to a main account held with another payment service provider
Account information services (AISPs): at the request of the payment service user, consolidated information about main accounts with various payment service providers is made available to them by the account information service
Payment instrument service provider (PIISP): a third-party issuer can query the availability of an amount of money from the account-managing payment service provider
FAQ for existing customers
No changes have been made to the menus, services, service operations or control elements on the new DenizBank AG Developer Portal.
The changes made are as follows:
The changes made are as follows:
- The URL of the test environment used for testing purposes has changed
Current test environment URL New test environment URL https://openbankinguat.denizbank.at https://openbanking-sandbox.denizbank.at
- Uploading a QWAC certificate is now mandatory.
- The language of the DenizBank AG Developer Portal is set according to the browser’s language settings.
Steps to be taken following the transition to the new DenizBank AG Developer Portal:
- Visit the DenizBank AG Developer Portal. (api.denizbank.at)
- Create a new password on the ‘Forgot password’ page.
- Log in using your new password.
- Add your QWAC certificate on the Profile page.
Your current password is not valid on the new DenizBank AG Developer Portal. You must therefore first create a new password in order to log in to the new DenizBank AG Developer Portal.
The content currently available on the Developer Portal will also be included on the new portal.
- PSD2 APIs
- Announcements
- Guides
- Frequently Asked Questions
- Statistics
- Contact Us
To carry out your transactions, you must add your QWAC certificate to your Profile page.
During the transition to the new DenizBank AG Developer Portal, customers using DenizBank AG APIs will be unable to carry out transactions. They will be able to resume their transactions once the transition is complete.
DenizBank AG will inform all its customers regarding the revamp of its digital channels.
DenizBank AG will inform all its customers regarding the revamp of its digital channels.
The transition will take place on October 25 2026. From that day on, you will be able to use the new DenizBank AG Developer Portal.
Yes, you must log in to the DenizBank AG Developer Portal and add your certificate immediately after the portal has been updated. From the start of the outage until you have added your certificate, your customers who use the DenizBank AG APIs will be unable to use them.
You can contact us via the ‘Contact Us’ form on the portal or send an email to apisupport@denizbank.at.
Information for Payment Service Providers/TPPs
Details are available for download at www.berlin-group.org.
From now on payment initiation service providers and account information service providers have unrestricted access to a test option in the form of a sandbox, including documentation.
If you have any questions you can contact technical support via Email .
From now on payment initiation service providers and account information service providers have unrestricted access to a test option in the form of a sandbox, including documentation.
If you have any questions you can contact technical support via Email .