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Aktian palveluissa huoltokatko 12.9. klo 22-13.9. klo 10

Katko vaikuttaa laajasti Aktian tarjoamiin palveluihin. Lue lisää

Open Banking

Open Banking

PSD2 regulation requires European banks to open their interfaces to third-party providers. Aktia and financial IT systems provider Crosskey have entered into an agreement to outsource Aktia´s PSD2 interface starting in June 2025.

Service Maintenance Outage from 12 September at 10 p.m. to 13 September at 10 a.m.

Our services will be unavailable due to scheduled maintenance starting at 10:00 p.m. on Saturday, 12 September 2026, and ending at 10:00 a.m. on Sunday, 13 September 2026. The outage will have a broad impact on the services provided by Aktia.

We recommend completing any banking activities requiring authentication, such as approving e-invoices, before the outage begins.

How the outage affects our services

  • Aktia cards: Cash withdrawals and in-store purchases with Aktia Credit cards will function normally during the outage. Aktia Debit cards will also function largely as normal, although occasional interruptions may occur. Online purchases cannot be made with Aktia Credit or Debit cards during the outage.
  • Finnair cards: Finnair Visa Credit and Finnair Visa Credit Light cards will function normally both in stores and for online purchases. The Finnair Visa app will also operate normally.
  • Digital services: Aktia Online Banking, the Aktia Mobile App and the Aktia ID authentication app will be unavailable during the outage.
  • Authentication to public services (such as Kela, MyKanta and the Finnish Tax Administration) and other services requiring strong electronic identification will not be available using Aktia ID, online banking credentials or SMS confirmation.
  • Incoming and outgoing SEPA Instant Payments will not be processed during the outage.

Impacts on corporate customers

The following services will be unavailable during the outage:

  • Aktia Corporate Online Banking
  • Web Services connectivity channel, including connections to financial management software
  • PSD2 interface, including connections to financial management software and online payments
  • Aktia online payment
  • Aktia ID authentication app
  • Incoming and outgoing SEPA Instant Payments
  • Self-service forms on Oma yritysasiakkuus page that require strong authentication
  • Authentication to public sector services (such as Kela and the Finnish Tax Administration) and other services requiring strong electronic identification using Aktia ID or Aktia online banking credentials

The following services will be available with limitations or may experience disruptions:

  • Purchases and cash withdrawals made with an Aktia Business Debit Card will generally function normally, but short interruptions may occur. If the card is connected to a third-party service (such as MobilePay), occasional disruptions may also occur in that service. Online card payments will not be available during the outage.
  • If your company serves consumer customers, please note that Aktia customers may experience temporary disruptions when making Debit card payments during the outage, and online purchases with Aktia cards will not be possible

We apologize for any inconvenience caused by this maintenance outage.

In addition to the existing PSD2 interface, we are outsourcing the following services:

  • Maintenance and development of the PSD2 interface, including certificate management
  • Maintenance and development of the test environment
  • Consent management
  • Interface documentation
  • Technical support and communication for third parties (TPP’s)

Below is a link to the Open Banking Market maintained by Crosskey Banking Solutions, where you can find additional information on Aktia’s Open Banking API products, Aktia’s Open Banking documentation, terms of use as well as the Sandbox test environment. 

We currently offer the following API products:

  • Account and Transaction API
  • Confirmation of Funds API
  • Payment Initiation API
  • Redirect Authorization

Open Banking Market

Further enhancements to the PSD2 interface will be introduced in 2026, and we will provide updates closer to that time. 
If you need additional information about Aktia’s Open Banking services, please contact us: openbanking@aktia.fi

PSD2 API performance reports

Report for Q2/2026

Report for Q1/2026

Report for Q4/2025

The purpose of the report is to describe the expected PSD2 API performance, and it includes, for example, the following information: Daily error response rate of all APIs, Daily total number of requests successfully processed by all APIs, Daily total number of server errors returned by all APIs, Daily percentage uptime of all APIs, Daily percentage downtime of all APIs.

Service outages

We will communicate any potential service interruptions in Aktia’s services through announcements published on this page, as well as via the service provided by Crosskey.

Tiivistelmä suomeksi

PSD2-sääntely velvoittaa eurooppalaisia pankkeja avaamaan rajapintansa kolmansille osapuolille. Aktia ja finanssialan IT-järjestelmätoimittaja Crosskey Banking Solutions ovat tehneet sopimuksen Aktian PSD2-rajapinnan ulkoistamisesta kesäkuusta 2025 alkaen. 

Olemme ulkoistaneet nykyisen PSD2-rajapinnan ohella seuraavat palvelut:  

  • PSD2-rajapinnan ylläpito ja kehitys sekä varmenteista huolehtiminen
  • Testiympäristön ylläpito ja kehitys
  • Suostumuksien ylläpito
  • Rajapinnan dokumentaatio 
  • Kolmansien osapuolien käyttäjätuki ja viestintä

Alta löytyy linkki Crosskey Banking Solutionsin ylläpitämään Open Banking Marketiin, josta löydät lisää tietoa Aktian Open Bankig API -tuotteista ja Aktian Open Banking -dokumentaation, sekä Sandbox-testiympäristön. Tarjoamme tällä hetkellä seuraavat API-tuotteet:

  • Account and Transaction API
  • Confirmation of Funds API
  • Payment Initiation API
  • Redirect Authorization

Open Banking Market

 Jos tarvitset lisätietoja Aktian Open Banking -palveluista, ole meihin yhteydessä: openbanking@aktia.fi 

Palvelukatkot

Ilmoitamme mahdollisista katkoista Aktian palveluissa tiedotteilla, jotka löytyvät tältä sivulta sekä Crosskeyn palvelusta.