The new Banking API is the Nordic financial infrastructure layer connecting accounting systems and fintechs to real-time corporate bank data and payments through a single, standardized API.
Your complete guide to building on Aritma - from your first API call to production-ready Nordic bank integrations. Whether you're automating payments & payroll, syncing balances, or building a full financial data pipeline, everything you need is here.
The Aritma Open Banking API is a REST API that uses resource-oriented endpoint paths, accepts Json-Encoded request bodies, returns Json-Encoded responses, and uses standard HTTP response codes and verbs. The solution eliminates the complexity of Nordic bank integrations by providing one unified API for payments, receivables, account information, and balances - across every major Nordic bank in real time.
Optimizing the financial workflow for the business, increasing efficiency and decreasing operational risk. The solutions also cover new AML requirements for sending pre-approved payments.
No customization. No legacy workarounds. No per-bank integrations.
Connects to all Nordic banks through one standardized integration. Full list of currently supported banks can be found in the About section under Supported banks.
| Country | Status |
|---|---|
| Norway | ✅ Live |
| Sweden | ✅ Live |
| Denmark | ✅ Live |
| Finland | ✅ Live |
Aritma covers all Nordic banks through a single, unified API - built on ISO 20022 and aligned with modern payment infrastructure.
- Account Information: real-time balances and full account access across all account types
- Transactions: live and historical transaction data direct from bank statements
- Payments & Receivables: create, approve, send and manage payments with full specifications and receivable tracking
- Credit Notes: full support natively, going beyond standard PSD2 scope.
- User Lifecycle Management: onboard, manage, and offboard users across banks and companies with enterprise-grade access control via SSO, SCIM, and RBAC — enabling seamless multi-company access and granular permissions.
Standard PSD2 covers the basics - Aritma goes further:
| Feature | PSD2 | Aritma |
|---|---|---|
| Account Data | ||
| Live Balance | ✅ | ✅ |
| Historical Transactions | ✅ | ✅ |
| All Account Types | ❌ | ✅ |
| Receivables with Specifications (KID/OCR/FIK/RF Reference) | ❌ | ✅ |
| Credit Notes | ❌ | ✅ |
| Payments | ||
| Single Payment Initiation | ✅ | ✅ |
| Bulk Payments & Unlimited Payments in Signing Basket | ❌ | ✅ |
| Cross-Bank Approval in Single SCA Flow | ❌ | ✅ |
| Multi-Company Payment Approval in Single SCA Flow | ❌ | ✅ |
| Custom Payment Bundling Rules | ❌ | ✅ |
| Consolidated Statement Lines | ❌ | ✅ |
| Infrastructure | ||
| Webhooks & Real-Time Events | ❌ | ✅ |
| Service Availability Guarantee | ❌ | ✅ |
Pre-Approved Payments (Regnskapsgodkjente betalinger) — Out-of-Bank Payment Approval where you approve and execute payments entirely outside the bank via the API — faster, fully automated, and ERP-ready
In-Bank Payment Approval — send payments through the API while keeping the approval flow inside the bank for full audit compliance
Built for Business workflows — purpose-built for accounting systems, payroll platforms, and ERP integrations where payment automation is critical
Instant Account Notifications — receive real-time alerts on account changes, payment status updates, and transaction events the moment they happen → Reference
Event-Driven Architecture — build responsive, modern integrations that react to live bank events rather than relying on scheduled data pulls
No More Polling — eliminate unnecessary API calls with push-based notifications, reducing latency, server load, and integration complexity
Guaranteed Delivery — automatic retries and delivery confirmations ensure no critical financial event is ever missed
💡 One integration. All Nordic banks. Full control.