Open Banking enables account information to be exchanged securely between banks and third-party payment service providers through dedicated APIs.
You select the service you wish to use and consent to its access to specified information about your account or to its initiation of a payment. Once you have confirmed your consent, the service may operate only within the scope of the authorisation granted by you.

Open Banking enables you to use modern financial services that can interact with your account with your consent.
It allows you to access account information through third-party services, view your balance and transaction history, or initiate payments - conveniently and securely.

The service receives only the data that you have authorised it to access.
Depending on the consent granted, this may include:

• account information;
• balance;
• payment transaction history.

The scope of the information available depends on the service you select and the parameters of your consent.

Yes. When granting consent, you may select the account whose information you wish to make available to the third-party service.

Yes. You may revoke your consent at any time through the VST bank application.
Once consent is revoked, the third-party service's access to information under that consent is terminated.

Information about the consents you have granted and their status is available in the VST bank application under 'More' -> 'Additional'.

Depending on the type of access selected, consent may be granted for a single use or for recurring use.
For recurring access, consent may remain valid for up to one hundred eighty (180) days.

Yes. Subject to the functionality available, you may initiate a payment through a third-party payment service provider.
To do so, select an account in VST bank and confirm the payment in accordance with the prescribed procedure.

Through the Open Banking service, a third-party payment service provider may obtain payment transaction history covering a period of up to thirty-one (31) calendar days as at the request date.

As part of the Open Banking process, access to accounts is granted to third-party payment service providers that are duly authorised to provide such services.

No. To use Open Banking, you do not need to disclose your password, PIN or any other VST bank application login credentials to third-party services.

Yes. Information is exchanged through dedicated APIs and only within the scope of the consent you have granted.
You decide what information may be accessed and can manage or revoke your consents.

The following services are currently available:

• granting a third-party payment service provider access to account balance information;
• obtaining payment transaction history covering a period of up to thirty-one (31) calendar days as at the request date;
• initiating a payment from a VST bank account through a third-party payment service provider.