Open Banking Specifics in Denmark
# Authentication flows and SCA
Danish banks primarily use redirect‑based OAuth 2.0 flows with MitID used as the default
Strong Customer Authentication (SCA) mechanism for both private and corporate customers by the vast
majority of banks. MitID requires users to enter their user ID on a web page hosted under the
bank's subdomain of mitid.dk. Some banks (e.g., Danske Bank) also support SCA via
their mobile apps, enabling automatic app-to-app redirection when authentication is initiated from
the same device where the bank's mobile app is installed.
# Major Banks (ASPSPs)
The most widely used Danish ASPSPs are:
Full list of banks (as per EBA) is available here (opens new window).
# Payment Specifics
All Danish banks support domestic credit transfers in DKK and SEPA Credit Transfers in EUR. However, EUR accounts are not common and some banks do not allow payment forom accounts held in DKK. Also authorisation flows for SEPA payments may differ from domestic credit transfers, e.g., require authorisation using MitID while domestic payments can be confirmed with the bank's mobile app supporting automatic app-to-app redirection for smoother UX.
# Specifics per ASPSP
# Danske Bank
In its open banking interface, Danske Bank uses a redirect-based authentication flow with SCA via MitID if the Danske Mobile Banking app is not installed on the device initiating authentication. If the app is installed, app-to-app redirection is used instead.
# Nordea
Nordea's open banking interface uses redirect flow. On the Nordea's authentication web page, users are to choose between MidID, Nordea ID app and Nordea ID device. Private customer are mostly using MitID while business customers ofter use Nordea ID app.
# Jyske Bank
In its open banking interface, Jyske Bank (like other banks relying on the Bankdata (opens new window)'s tech stack) uses a redirect-based authentication flow with SCA via MitID.
# Sydbank
In its open banking interface, Sydbank (like other banks relying on the Bankdata (opens new window)'s tech stack) uses a redirect-based authentication flow with SCA via MitID.
# Nykredit Bank
In its open banking interface, Nykredit Bank (like other banks relying on the BEC (opens new window)'s tech stack) uses a redirect-based authentication flow with SCA via MitID if the MitNykredit app is not installed on the device initiating authentication. If the app is installed, app-to-app redirection is used instead.
# Spar Nord Bank
In its open banking interface, Spar Nord Bank (like other banks relying on the BEC (opens new window)'s tech stack) uses a redirect-based authentication flow with SCA via MitID if the Spar Nord app is not installed on the device initiating authentication. If the app is installed, app-to-app redirection is used instead.
# Arbejdernes Landsbank
In its open banking interface, Arbejdernes Landsbank uses (like other banks relying on the BEC (opens new window)'s tech stack) a redirect-based authentication flow with SCA via MitID if the MitNykredit app is not installed on the device initiating authentication. If the app is installed, app-to-app redirection is used instead.