Open Banking Beyond PSD2

Spar Nord Bank

Spar Nord Bank is among the five largest retail banks in Denmark. Spar Nord Bank has more than 400.000 customers and approximately 50 branches. Spar Nord is a bank that seeks to combine personal advice supported by active involvement and service with up-to-date and innovative digital solutions. Spar Nord is The Personal Bank in a Digital World We believe that open innovation and co-creation with FinTech partners is the key to deliver first class digital services to our customers.


At Spar Nord Open Banking we are one of the pioneers within open banking in Denmark putting real actions behind our promises. Currently we have two FinTech companies operating on our API’s. Open innovation is key for us in order to keep up with the pace of innovation within finance these days. For this reason we are always looking for new partnerships to co-create future FinTech solutions for our customers.

Take a look at our partners

Looking for venture capital?

We believe in smart capital. For this reason Spar Nord Open Banking holds a venture fund. We invest with more than money. Spar Nord Open Banking gives you the possibility to leverage on our API platform, Banking Licence, Knowledge and most notably a partner that empower you to be a success. Interested?

Send us your pitch!


Payment services

Account services

FinTech Platform

At Spar Nord Bank we have built our own access platform for Open Banking. Security-wise, the platform is based on Trifork's e-mobility platform for customer consent with nemID. The output of this consent is a customer Token, which is used for the API communication subsequently.

The platform can be used with both IOS and Android based mobile phones and the API communication can be both mobile direct through the SSG, FinTech Apps communication with a FinTech backend and FinTech backend with the Spar Nord API Gateway or Web based communication. The APIs exposed to the FinTech are so-called "REST services".

Reach us

Want to innovate with us?

Send us your pitch!