Do we need our own AISP license to use Nordigen?
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The short answer - it depends.
Nordigen is a licensed AISP, and to use our service, we don't require to have clients to have an AISP license of their own. However, there are some countries, where the local financial regulator does require certain type of companies to hold an AISP license. An example of this is the FCA in the UK, where personal finance management (PFM) applications (applications that expose the account data back to the end user) are generally required to hold (or rent) their own AISP license.
If in doubt, your legal team should clarify this directly with the local regulator, as Nordigen is not in a position to confirm/give permission on licensing questions.
Which entity is the local regulator in my country?
- AT (Austrian Financial Market Authority)
- BE (National Bank of Belgium)
- BG (Bulgarian National Bank)
- CY (Central Bank of Cyprus)
- CZ (Czech National Bank)
- DE (Federal Financial Supervisory Authority)
- DK (Danish Financial Supervisory Authority)
- EE (Estonian Financial Supervisory Authority)
- ES (Bank of Spain)
- FI (Finnish Financial Supervisory Authority)
- FR (Prudential Supervisory and Resolution Authority)
- GB (Financial Conduct Authority)
- GR (Bank of Greece)
- HR (Croatian National Bank)
- HU (Central Bank of Hungary)
- IE (Central Bank of Ireland)
- IS (Central Bank of Iceland)
- IT (Bank of Italy)
- LI (Financial Market Authority Liechtenstein)
- LT (Bank of Lithuania)
- LU (Commission for the Supervision of Financial Sector)
- LV (Financial and Capital Market Commission)
- MT (Malta Financial Services Authority)
- NL (The Netherlands Bank)
- NO (The Financial Authority of Norway)
- PL (Polish Financial Supervision Authority)
- PT (Bank of Portugal)
- RO (National Bank of Romania)
- SE (Swedish Financial Supervisory Authority)
- SI (Bank of Slovenia)
- SK (National Bank of Slovakia)