Open Banking Specifics in Estonia
# Authentication flows and SCA
All Estonian banks use in their open banking interfaces redirect flows. A few banks also support the decoupled authorisation flow. After a TPP sends a PSU to the bank, authentication is typically completed with the Smart‑ID app or Mobile‑ID (a SIM card based digital identification). In addition to entering their bank-specific user IDs, users has to input their national personal code.
# Major Banks (ASPSPs)
The most widely used Estonian ASPSPs are:
Full list of banks (as per EBA) is available here (opens new window).
# Payment Specifics
All Estonian banks support SEPA Credit Transfers (SCT) in EUR via their open‑banking APIs. All major ASPSPs also allow initiating through PSD2 APIs real‑time euro transfers (SCT Inst).
# Specifics per ASPSP
# Swedbank
In the redirect flow Swedbank allows users to choose between SCA using Biometrics/PIN in the Swedbank mobile app, the Smart-ID app, Mobile-ID, ID-card and PIN-calculator. Decoupled autho flow is available for the Smart-ID and the Mobile-ID methods, requiring TPPs to pass either a personal code or a phone number.
For authorisation of access to account transactions over 90 days old users have perform additional SCA (for each of the accounts separately). Details available for the "archive" transactions differ from the details of the recent transactions (less than 90 days old).
# SEB
In the redirect flow, after redirect to SEB's authentication web page users have choose between the following SCA methods: SEB mobile app (default), Smart-ID, Mobile-ID, ID-card and PIN calculator. Decoupled auth flow is available from the SEB mobile app, Smart-ID and Mobile-ID methods.
# LHV
LHV support redirect auth flow with SCA using the following methods: Smart-ID, Mobile-ID, Biometrics (LHV mobile app) and PIN-calculator.
# Luminor
After redirect to Luminor's authentication web page users have choose between SCA using the Smart-ID app, Mobile-ID, ID-card and one-time code calculator.
# Coop Bank
LHV support redirect auth flow with SCA using the following methods: Biometry (using Coop Eesti mobile app), Smart-ID and Mobile-ID. Decoupled auth flow and automatic app-to-app redirection are not supported.