Our banking interface is open to third-party apps that help our clients to manage their bank accounts and data via an API.
Use of third-party apps is voluntary. If, as our client, you choose to use one of our apps to help you manage your banking data, please exercise caution. These apps are not developed by PPF banka.
Make sure that it is a trusted third-party app from a trustworthy source.
You may withdraw your permission for third-party apps to access your account at any time.
If you have any questions, please email us at firstname.lastname@example.org.
What is a third-party app?
An app that provides PPF banka’s services indirectly (in other words, an app that has not been created by PPF banka). These apps differ from each other in the processing, level and range of services they offer.
Why does PPF banka allow access to banking data?
The Payments Act requires us to do so, provided that security conditions are met.
Who can become a third party?
A third party may be a company or bank that has been granted a licence by a competent administrative authority from an EU member state.
Who grants or prohibits access to this banking data?
It is always up to users, on a voluntary basis, whether to allow a link to be created to a specific bank account. They may allow this up to the maximum extent of the rights granted to them in relation to the client’s accounts. Once you – as a user – have allowed access, you are free to withdraw your permission at any time afterwards. In your internet banking, you can view the list of third-party apps you have allowed to access your accounts. Here, disabling the access of any of these listed apps is a simple step.
Payment account information (AISP)
If the client has given permission, a third party provides information about a payment account and transactions carried out in the client’s account at the bank. For example, clients who hold accounts at multiple banks can use a third-party app to see their transaction history and balances for all those accounts at the same time in one place.
Option of placing a payment order (PISP)
If the client has given permission, a third party initiates a payment order from the client’s payment account held at the bank. For example, when making an online purchase, instead of paying by card the client may choose to use an alternative method of payment for the merchandise by initiating payment directly from the account. The payment order is pre-filled by a third party (entering the payee’s details, the amount, the payment symbols and/or a description of the payment), the client checks the order and authorises it by confirming the transaction.
Option of verifying whether there is enough money in an account to make a card payment (CISP)
A third party may issue a payment instrument (a card) that is linked to a payment account at a bank. When this card is used, a third party will be able to verify whether the client has sufficient funds in their bank account to make a transaction with the card. PPF banka will only respond to a third-party request with a YES/NO answer.
Can payments be disabled in an app?
Each app should tell you what permissions you have granted to it at the time you link it to your bank account.
If I hold multiple accounts at PPF banka, is it possible just to link one of them?
Yes. You can manage which specific accounts the third-party app will be allowed to access in the online banking settings.
Who should I contact if I have further questions?
Please email us at email@example.com.
We provide third parties with access to certain banking data only with the permission of our clients.
Payment account information (AISP API)
Account balance, account detail, payment history and payment details.
Payment initiation (PISP API)
The possibility of entering payment orders.
Sufficient balance information (CISP API)
The possibility of checking whether there is enough money in an account to make a card payment.
You must hold a licence granted by a competent administrative authority from an EU member state.
You also need to obtain a certificate from the Certification Authority.
Once you have your licence and certificate, follow the steps below.
How can third parties access a publicly available API?
Where can we find the technical details of services?
Documentation for each service can be found on the Developer Portal.
How can we replace our certificate?
A certificate of an already registered third party is renewed in the same as a new registration (on the Developer Portal).
If your new certificate is to differ from the old one, we recommend that you email us in advance at firstname.lastname@example.org to inform us what certificate it is. Ideally, send us the public part of the certificate directly.
Who should I contact if I have further questions?
Please email us at email@example.com.
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