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Accounts PSD2

Spain

Access PSD2 account information as an authorized provider (AISP) via Redsys.

Accounts PSD2 enables authorized AISPs to access, with customer consent, information on BBVA payment accounts accessible online through the Redsys PSD2 HUB. With this information, you can build aggregation, reconciliation, management, or financial intelligence services.

Regulatory APIs

Accounts

Technical access to Accounts PSD2 is provided through the Redsys PSD2 HUB, after registration on that platform. BBVA API Market provides information about BBVA’s PSD2 API capabilities, while Redsys manages credentials, sandbox, integration, and operational support for TPPs.

PSD2 account information for aggregation, reconciliation, and analysis

The objective of the PSD2 account information service is to enable authorized AISPs to access, with customer consent, information on one or more payment accounts held by the customer. In Spain, the connection is made through the Redsys PSD2 HUB.

This allows customers to obtain a global view of their financial situation and analyze balances, transactions, and needs with the authorized provider of their choice.

In practice

Payment account information aggregation services
Personal or Business Financial Management products or services
Bank reconciliation, financial analysis, risk assessment, or scoring

Show a complete view of their accounts

Aggregate payment account information from your customers: account list, balances, transactions, and account holders, always with consent. Use this data to create financial overview, reconciliation, or analysis services.

Work with up-to-date account data

With up-to-date payment account information, you can offer services based on real data: financial aggregation, transaction analysis, reconciliation, and personal or business financial management.

Improve your analysis and decision-making processes

Depending on your business model and always with customer consent, you can reduce financial or risk analysis times by using information from payment accounts accessible online.

PSD2 consent and authentication

The flow allows collecting the customer’s consent and applying strong customer authentication in accordance with the PSD2 account information service.

Updated accounts, balances, and transactions

Payment account information for individuals and companies for aggregation, reconciliation, analysis, or processing in accordance with the applicable PSD2 scope.

Technical integration through the Redsys PSD2 HUB

As it is available through the Redsys PSD2 HUB, the technical integration is carried out through the centralized channel for authorized TPPs in Spain and participating entities.

How does it work?

To use Accounts PSD2, you must be authorized to provide account information services in the country. The technical connection and integration with this BBVA Spain capability are carried out through the Redsys PSD2 HUB.

1. Consent

Your customer consents to share with you the information of one or more of their BBVA payment accounts and to add that information to your service through their BBVA online banking signature key.

2. Authentication

A token is created for the provision of information and actions between your service, the customer and their accounts. This code will allow the entire service to run.

3. Aggregation

The token allows for unaided aggregation for 90 days. Activity up to 6 months in the past can be requested on the first connection.

4. Validation

After 90 days, your customer must re-authenticate using their access and signature keys, and will be re-redirected to the BBVA environment to repeat the first step.

PSD2 regulation offers a unique opportunity to access information from your customers’ payment accounts and use it as another resource when creating services and products that exactly meet what they are looking for. Integrating this API into your ecosystem will make the process much simpler, more efficient, and more intuitive.

Ana Climente, Head of Open Banking at BBVA Spain

Other PSD2 capabilities that may interest you

If Accounts PSD2 is useful to you, you may also be interested in the PSD2 payment initiation and funds confirmation capabilities available to authorized TPPs.

Payments PSD2

Allows your customers to start their payments immediately and automatically from your own platform.

View technical documentation

More information

Funds Confirmation PSD2

If you are a card issuer, confirm the availability of funds in your card’s direct debit account.

View technical documentation

More information

Customers

Subject to express consent, customer may share their BBVA identification data. This will help you speed up customer registration and engagement of your solution.

More information

Access the complete API catalog

Access

Do you need help with BBVA’s PSD2 APIs?

BBVA API Market can guide you on available PSD2 capabilities. For technical registration, credentials, sandbox, integration, or incidents, you should contact Redsys.

Name	Owner	Duration	Description
gobp.lang	BBVA	1 month	Language preference
aceptarCookies	BBVA	1 year	Configuration Accepted Cookies
_abck	BBVA	1 year	Helps protect against malicious website attacks
bm_sz	BBVA	4 hours	Helps protect against malicious website attacks
ADRUM_BTs	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
ADRUM_BT1	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
ADRUM_BTa	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
ADRUM_BT	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
xt_0d95e	Salesforce Marketing Cloud	Session	Remember user preferences (if any)
__s9744cdb192d044faa1bf201d29fafd1e	Salesforce Marketing Cloud	Session	Remember user preferences (if any)
wpml_browser_redirect_test	WPML	Session	Text translation in the portal
wp-wpml_current_language	WPML	24 hours	Text translation in the portal

Name	Owner	Duration	Description
AMCV_***	Adobe Analytics	Session	Unique Visitor IDs used in Cloud Marketing solutions
AMCVS_***	Adobe Analytics	2 years	Unique Visitor IDs used in Cloud Marketing solutions
demdex (safari)	Adobe Analytics	180 days	Create and store unique and persistent identifiers
sessionID	Adobe Analytics	Session	Launch's internal cookie used to identify the user
gpv_URL	Adobe Analytics	Session	Adobe Analytics plugin: getPreviousValue Capture the value of a certain variable in the following page view, in this case the prop1
gpv_level1	Adobe Analytics	Session	Cookie used to store the DataLayer levl1 of the previous page.
gpv_pageIntent	Adobe Analytics	Session	Cookie used to store the pageIntent of the previous page.
gpv_pageName	Adobe Analytics	Session	Cookie used to store the pagename of the previous page.
aocs	Adobe Analytics	Session	Cookie that stores the first values collected at the beginning of a process.
TTC	Adobe Analytics	Session	Cookie used to store the time between the App Page Visit event and the App Completed event.
TTCL	Adobe Analytics	Session	Cookie used to store the time between the LogIn event and App Completed.
s_cc	Adobe Analytics	Session	Determine if cookies are active
s_hc	Adobe Analytics	Session	Cookie used by Adobe for analytical purposes
s_ht	Adobe Analytics	Session	Cookie used by Adobe for analytical purposes
s_nr	Adobe Analytics	2 years	Determine the number of user visits
s_ppv	Adobe Analytics	Permanent	Adobe Analytics plugin: getPercentPageViewed Determine what percentage of the page a user views
s_sq	Adobe Analytics	Session	ClickMap/ActivityMap features
s_tp	Adobe Analytics	Session	Cookie used by Adobe for analytical purposes
s_visit	Adobe Analytics	2 years	Cookie used by Adobe to know when a session has been started.

Name	Owner	Duration	Description
OT2	VersaTag	90 days	VersaTag Cookie used to store a user id and the number of user visits.
u2	VersaTag	90 days	VersaTag Cookie where the user ID is stored
TargetingInfo 2	MediaMind	1 year	Cookie that serves to assign a unique random number that generates MediaMind.

Name	Owner	Duration	Description
mbox	Adobe Target	9 days	Cookie used by Adobe Target to test user experience customization.

Accounts PSD2

Discover all about Accounts PSD2

PSD2 account information for aggregation, reconciliation, and analysis

In practice