Estonia

Yes, Open Banking is available in Estonia under the EU's PSD2 (Payment Services Directive 2) regulation. Banks in Estonia are required to provide API access to licensed third-party providers (TPPs), enabling services like account aggregation and payment initiation.

The table above lists all banks and financial institutions in Estonia tracked by Open Banking Tracker, along with their API availability, sandbox status, and compliance information. Banks with a "Developer Portal" link offer documented APIs for third-party integration.

The easiest way to connect to banks in Estonia is through an API aggregator like Plaid, Tink, TrueLayer, or other providers that offer coverage in this market. These aggregators provide a single integration point to access multiple banks. Alternatively, you can integrate directly with individual bank APIs through their developer portals.

Estonia falls under the EU's PSD2 regulation, which requires banks to provide secure API access to licensed AISPs (Account Information Service Providers) and PISPs (Payment Initiation Service Providers). Additional local regulations may also apply.

PSD2 (Payment Services Directive 2) is EU legislation that requires banks to open their payment infrastructure to licensed third parties. In Estonia, this means banks must provide APIs for account information and payment initiation services. PSD2 also introduced Strong Customer Authentication (SCA) requirements for secure transactions.