New opportunities in banking

PSD2 is a directive that gives you greater freedom of choice and simplifies your everyday banking. You decide which services you want to use and which players to give access to your data.
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What is PSD2?

PSD2 (Revised Payment Services Directive) is the latest version of the EU Directive governing payment services in the EU’s single market. As Norway is a member of the EEA, the Directive also includes payment services in Norway.

The new rules allow payment services to be carried out by other players than the bank in which you have your account. In practice, this means that you or your company can link accounts from other banks to our services and gather all your accounts in one place. If you want to have access to all your accounts through us, you must actively consent to this.

PSD2 also introduces new security requirements to reduce the risk of fraud and to protect customer data, and you will most likely have to use your BankID and PIN code more often than before.
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New opportunities

“We look forward to offering new and innovative services. Our goal is to make everyday life easier and better for our customers. We know that they would like to see data from multiple sources to gain better insight. We will offer more of this in the future, through own initiatives as well as in collaboration with other players.”

 – Elin Borhaug, business developer in the business area Large Corporates and International in DNB

Frequently asked questions

How do I link an account from another bank to DNB?

In the Internet bank, mobile bank and other services you will be clearly notified of the option to connect with other banks' accounts when this becomes available.

How do I link a DNB account to another service?

This depends on the service you want to use. All banks and approved third parties to which you can link accounts will adapt their services to this functionality. The common denominator is that the option should be easily available , and that you must always give your consent. 

Third party players, i.e. providers of payment services other than banks, will be subject to the same requirements as other payment institutions as regards authorisation and security.

Is there anything in particular I should keep in mind?

If you want to use another bank or a third party provider, it is important to carefully read the consent form so that you know what your data may be used for. If you want other services to have access your DNB accounts, you need to give your consent in those services.

As an owner of or signatory to an account, you have the right to give consents relating to that account. This also applies to authorised users of personal accounts, e.g. a family member, or of corporate accounts.

A consent has a duration of maximum 90 days, and must be renewed when it expires. It’s not possible for DNB to change a consent given to a third party – you are in charge of your consents.

Can I formally opt out of using such services?

No, there is no formal opt-out option, but you can choose not to use this type of services.

Who will have access to my data and where can I see who has access?

Who will have access to my data and where can I see who has access? Your data is only shared if you or an authorised user of your account has consented to this. If you choose to share account information with a third party, it will be stated in the consent to the third party how the accesses are managed. 

In principle, it is your responsibility to keep track of who you grant access to, but we will also set up an overview in the Internet bank of the players to which you have given access to your DNB accounts. If you wish to remove an access, this must be done through the third party player or the service where the access was given.

I want to develop solutions that use DNB's APIs, how do I proceed?

If you want to develop services that use DNB's services and APIs, you will find all the information you need at 

Where can I find more information?

That depends on what you’re looking for, but you can read more in this article.