Swiss Open Banking

Swiss Open Banking API Standards (bLink)

ActiveOpen BankingEurope

Switzerland has taken a market-driven approach to Open Banking without regulatory mandate. The bLink platform by SIX Group provides centralized infrastructure for Open Banking. Swiss Fintech Innovations (SFTI) handles standardization, while SIX Group operates the central bLink platform.

🌍
Jurisdiction
Switzerland
📅
Effective Date
2020
May 1, 2020
✅
Full Compliance
TBD
🏛️
Regulator
FINMA

Overview

Switzerland has taken a market-driven approach to Open Banking without regulatory mandate. The bLink platform by SIX Group provides centralized infrastructure for Open Banking. Swiss Fintech Innovations (SFTI) handles standardization, while SIX Group operates the central bLink platform. Focus is exclusively on commercial bank customers (SMEs), with retail not in scope.

Scope & Coverage

AISPSS

Key Requirements

1
bLink Platform connectivity
2
SFTI API standards compliance
3
Bilateral agreements
4
FINMA oversight

Implementation Timeline

May 1, 2020
bLink live with AIS and PSS use cases
Aug 1, 2021
Additional use cases (Open Finance, Wealth Management) in development
Jan 1, 2022
Update to new consent model

API Specifications

Technical standards and API specifications for implementing Swiss Open Banking:

Official Documents & Resources

Key Notes

No mandate, but strong industry adoption via centrally operated bLink platform. Focus on SME customers only.

Official Resources

Related Regulations

Other open banking frameworks in Europe:

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