# Banking

Aritma's Banking API provides a single integration surface for accessing PSD2 and Open Banking services across a wide range of Nordic banks. Retrieve account information, initiate payments, and manage consent — all through one standardized API.

## API versions

| Version | Status | Description |
|  --- | --- | --- |
| [Banking API v4](/apis/banking/v4) | **Current** | Latest version with full PSD2 and Open Banking support |
| [Banking API v3](/apis/banking/v3) | Legacy | Previous version — migrate to v4 when possible |


## Key capabilities

- **Account Information** — Access balances, transactions, and account details across multiple banks
- **Payment Initiation** — Initiate domestic and cross-border payments on behalf of end-users
- **Consent Management** — Handle end-user consent flows as required by PSD2 regulations
- **Multi-bank Support** — Connect to all major Norwegian business banks through a single API


## Getting started

1. Read the [Banking API v4 introduction](/apis/banking/v4) to understand the core concepts
2. Follow the [Quickstart guide](/apis/banking/v4/quickstart/account-information) to make your first API call
3. Review [Authentication](/apis/banking/v4/development/authentication) to set up your credentials
4. Explore the [API Reference](/apis/banking/v4/openapi/banking-openapi) for the full endpoint documentation


## Use cases

- Import a full year of bank transactions into your accounting system
- Aggregate balances across multiple banks for a unified financial overview
- Perform credit scoring based on historical transaction data
- Reconcile bank data with your ERP system in real time