Polish API Standard (PolishAPI)

Version 3.0

PolishAPI is Poland's national open banking API standard defining interfaces for payment initiation, account information, and funds confirmation under PSD2.

View Official Specification →

Key Features

✓PIS, AIS, and CAF API specifications
✓Redirect and decoupled SCA support
✓ISO 20022 migration support
✓Creative Commons licence
✓Coexists with Berlin Group NextGenPSD2
✓Developed by Polish Bank Association
✓Regular version updates
✓Free specification download

About PolishAPI

PolishAPI is the Polish national open banking standard developed by the Polish Bank Association (ZBP) in cooperation with the banking sector. It defines the API interface enabling third-party providers to access payment accounts in compliance with PSD2 and the Polish Payment Services Act.

The standard specifies Payment Initiation Service (PIS), Account Information Service (AIS), and Confirmation of the Availability of Funds (CAF) interfaces. PolishAPI supports both the redirect and decoupled SCA approaches and is designed to work alongside the Berlin Group NextGenPSD2 standard, with many Polish banks supporting both.

Version 3.0 includes updates for ISO 20022 migration and enhanced payment capabilities. The standard is published under a Creative Commons licence and is available for free download from the official PolishAPI website.

PolishAPI is significant as one of the few national-level PSD2 API standards that coexists with the pan-European NextGenPSD2, reflecting Poland's active fintech ecosystem and the banking sector's commitment to standardised open banking interfaces.

Countries Using PolishAPI

1 country currently implements this standard.

Poland

Related Standards

NextGenPSD2 →FAPI Advanced →

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