Open Banking Specifics in Slovenia
# Authentication flows and SCA
Slovenian banks primarily use redirect-based authentication flows for Open Banking under PSD2 regulations.
Strong Customer Authentication (SCA) is typically performed through mobile banking applications with biometric authentication or through combination of PIN and SMS OTP. Most banks require users to input their online banking credentials before completing SCA through their respective mobile apps. Some banks support app-to-app redirection when the authorization is initiated from a mobile device and the bank's app is installed.
# Major Banks (ASPSPs)
The most widely used Slovenian ASPSPs, in order of market significance, are:
A complete list of Slovenian ASPSPs is available here (opens new window).
# Payment Specifics
All major Slovenian banks support SEPA Credit Transfers (SCT) in EUR (Euro) through their Open Banking APIs, as Slovenia is part of the Single Euro Payments Area (SEPA) and uses the Euro as its currency.
SEPA Instant Credit Transfers (SCT Inst) are mandatory for all Slovenian banks as of January 9, 2025, when banks must be able to receive instant payments. By October 2025, banks must also be able to send instant payments. SCT Inst transactions are available 24/7, with funds available in less than 10 seconds, with a transaction limit of EUR 50,000.
# Specifics per ASPSP
# Delavska hranilnica
Delavska hranilnica provides redirect-based authentication flow with SCA performed through their mobile banking application.
# Intesa Sanpaolo Bank
Intesa Sanpaolo Bank is part of the international Intesa Sanpaolo Group and is the third largest bank in Slovenia.
The bank provides redirect-based authentication flow with SCA performed through their mobile banking application.
# Nova Ljubljanska banka
Nova Ljubljanska banka (NLB) is one of the two largest Slavenian banks with approximate market share of 30% each.
The bank provides redirect-based authentication flow with SCA performed through their mobile banking application NLB Klik.
# OTP banka
OTP banka is the merger SKB banka and Nova KBM, which earlier acquired Abanka. It is one of the two largest Slavenian banks with approximate market share of 30% each.
OTP banka provides redirect-based authentication flow with SCA performed through their mobile banking application OTP Mobile.