OP Financial Group API
🇫🇮 Finland
Independent reference page. BankSnipe is not OP Financial Group and is not affiliated with or endorsed by it. We don't collect logins, passwords or account details. The URLs below are listed as plain text (not clickable) — copy and paste them into your browser to reach OP Financial Group's official domains.
OP Financial Group exposes an open banking API built on the Berlin Group NextGenPSD2 standard, covering account information (AIS), payment initiation (PIS) and confirmation of funds (CBPII). Beyond the regulated PSD2 baseline it also offers 6 premium API categories: real-time balances, statement reporting, instant payments, cross-border & high-value, payment tracking and confirmation of payee.
Access uses OAuth 2.0 with redirect SCA, over a REST interface. A self-service sandbox lets you build and test before you apply for production access.
The API serves Finland. BankSnipe rates OP Financial Group's API maturity 5/5 (Mature), last reviewed 11 Jun 2026.
Overview
- API standard
- Berlin Group NextGenPSD2
- API style
- REST
- Authentication
- OAuth 2.0 · SCA: redirect
- Sandbox
- Available (self-service)
- Last reviewed
- 11 Jun 2026 · 2 months ago
Products
Premium APIs
Maturity signals
- Account info (AIS)
- Payment initiation (PIS)
- Confirmation of funds (CBPII)
- Premium / beyond-PSD2 APIs
Links
- Website
- https://www.op.fi
- Developer portal
- https://op-developer.fi
- Documentation
- https://op-developer.fi/products
Notes
Finland's OP runs a mature developer portal with the full PSD2 set (AIS, PIS, Confirmation of Funds) plus an explicit "beyond-PSD2" premium catalogue — corporate accounts/payments and Pohjola insurance APIs.
OP Financial Group API: frequently asked questions
Does OP Financial Group have a public API?
Yes. OP Financial Group publishes regulated PSD2 open banking APIs covering account information (AIS), payment initiation (PIS) and confirmation of funds (CBPII), plus premium APIs beyond that baseline. Registration and documentation live on its developer portal at https://op-developer.fi.
Does OP Financial Group offer an API sandbox?
Yes. The sandbox is self-service, so you can sign up and start calling it without a commercial agreement in place.
Which open banking standard does the OP Financial Group API use?
Berlin Group NextGenPSD2: the most widely used European open-banking API standard. Two banks on the same standard can still differ in the details, so read the bank's own documentation before you build.
How do you authenticate with the OP Financial Group API?
OAuth 2.0, with redirect SCA for the customer consent step. Production access to the regulated endpoints also means registering as a licensed third-party provider with the bank.
Does OP Financial Group offer premium APIs beyond PSD2?
Yes. We have recorded 6 premium categories on OP Financial Group: real-time balances, statement reporting, instant payments, cross-border & high-value, payment tracking and confirmation of payee. These sit above the regulated PSD2 baseline and are the ones corporate treasury teams tend to care about.
Which countries does the OP Financial Group API cover?
Finland.
Is the OP Financial Group API free to use?
Banks generally do not charge licensed third-party providers for the regulated open banking endpoints, which is the point of the mandate. Premium APIs above that baseline are commercial products priced by the bank. BankSnipe does not track pricing, so confirm it with the bank.
How mature is the OP Financial Group API?
BankSnipe scores it 5 out of 5 (Mature). The score counts how many of the four product signals are live: AIS, PIS, CBPII and premium APIs beyond the regulated PSD2 baseline.