BISTRA

Bank Interfaces for Standardized Payments

ActiveOpen BankingEurope

BISTRA (Bank Interfaces for Standardized Payments) is the Bulgarian Open Banking standard developed to incorporate the Berlin Group's PSD2 Access to Bank Accounts (XS2A) specification with Bulgarian local standards including specific local money transfers. The standard enables third-party access to payment accounts. Use this page as a working reference when you compare banks, products, and regulatory timelines.

🌍
Jurisdiction
Bulgaria
📅
Effective Date
2019
Sep 14, 2019
✅
Full Compliance
2019
Sep 14, 2019
🏛️
Regulator
Bulgarian National Bank

Overview

BISTRA (Bank Interfaces for Standardized Payments) is the Bulgarian Open Banking standard developed to incorporate the Berlin Group's PSD2 Access to Bank Accounts (XS2A) specification with Bulgarian local standards including specific local money transfers. The standard enables third-party access to payment accounts.

Scope & Coverage

AISPISCAF

Key Requirements

1
Berlin Group XS2A alignment
2
Bulgarian local transfer standards
3
Strong Customer Authentication (SCA)
4
BNB TPP registration

Implementation Timeline

Jan 1, 2018
BISTRA standard development began
Sep 14, 2019
PSD2 SCA requirements in force, BISTRA mandatory

API Specifications

Technical standards and API specifications for implementing BISTRA:

Official Documents & Resources

Key Notes

Combines Berlin Group NextGenPSD2 with Bulgarian local payment standards. Developed by CCBank and adopted industry-wide.

Official Resources

Related Regulations

Other open banking frameworks in Europe:

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