Service Provider Offering

The following tables illustrate the range of services offered by the Service Providers on the productive environment of bLink. While all foundational functionalities are supported, disparities arise in the breadth of data coverage and the support for certain endpoints. These differences require careful considerations by Service Users when integrating the APIs into their specific Use Cases. Understanding these variations is crucial for smooth integration and good performance in the bLink system.

Consent flow

Initially service providers primarily developed the consent flow for desktop and e-banking. However for many service users, especially modern fintech apps it is essential that the consent flow can be initiated directly on a smartphone. The first row of the table below shows which service providers support initiating the consent flow on mobile devices.

The Swiss market research firm Trenda has recorded the various consent flows of service providers on both desktop and smartphone. Trenda is kindly making these videos available to bLink service users as well as interested participants.

In the second row (Device: Smartphone) and third row (Device: Desktop) of the following table, you will find the corresponding video links. Access is password-protected.

Would you like to see how individual banks design the consent flow in their role as service providers?

Please contact us via the contact form and include “Trenda” in the text field. You will then receive the password.

About Trenda: Trenda is a Swiss company that helps retail banks, consulting firms, and providers in Switzerland and Liechtenstein make better, data-driven decisions through precise market analyses, current trends, and sound competitive insights. The digital Trenda platform provides curated market trends, relevant news, competitive analyses, and extensive data collections, enabling targeted evaluations and efficient collaboration within the organization. Learn more about Trenda.

Description	Participant
	Acrevis	AKB	Avera	BCJ	BCV	BEKB	CIC	Clientis	Esprit	HBL	LUKB	NKB	PostFinance	SGKB	SZKB	TKB	UBS	Valiant	ZGKB	ZKB
SP supports Consent Flow initiated on smartphone	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	❌	✅	✅	✅	❌
Video of Consent Flow on smartphone	-	Demo	-	-	-	Demo	-	Demo	-	Demo	Demo	Demo	Demo	-	Demo	Demo	Demo	Demo	Demo	-
Video of Consent Flow on desktop	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Account Information Service

API Tag	Endpoint	Participant
		Acrevis	AKB	Avera	BCJ	BCV	BEKB	CIC	Clientis	Esprit	HBL	LUKB	NKB	PostFinance	SGKB	SZKB	TKB	UBS	Valiant	ZGKB	ZKB
Data	Supported Customer Segment	Retail & Corporate	Retail & Corporate	Retail & Corporate	Retail & Corporate	Retail & Corporate	Retail & Corporate	Retail & Corporate	Retail & Corporate	Retail & Corporate	Retail & Corporate	Retail & Corporate	Retail & Corporate	Retail	Retail & Corporate	Corporate	Retail & Corporate	Retail & Corporate	Corporate	Corporate	Retail & Corporate
accounts	GET/accounts	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
	GET/accounts/{accountId}	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
	GET/accounts/{accountId}/balance	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
	*/balance - Historical Data (at initial Consent)	2 Years	14 Months	> 2 Years	3 Years	1 Year	> 2 Years	2 Years	2 Years	2 Years	TBD	Since 01/2024	2 Years	2 Years	2 Years	5 Years	5 Days	> 2 Years	2 Years	5 Years	3 Years
	*/balance - Historical Data	2 Years	14 Months	> 2 Years	3 Years	1 Year	> 2 Years	2 Years	2 Years	2 Years	TBD	Since 01/2024	2 Years	2 Years	2 Years	5 Years	5 Days	> 2 Years	2 Years	5 Years	3 Years
	*/balance - Intraday Data	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
	GET/accounts/{accountId}/transactions	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
	*/transactions - Historical Data (at initial Consent)	2 Years	14 Months	> 2 Years	3 Years	1 Year	> 2 Years	2 Years	2 Years	2 Years	2 Years	Since 01/2024	2 Years	2 Years	2 Years	5 Years	2 Years	> 2 Years	2 Years	5 Years	3 Years
	*/transactions - Historical Data	2 Years	14 Months	> 2 Years	3 Years	1 Year	> 2 Years	2 Years	2 Years	2 Years	2 Years	Since 01/2024	2 Years	2 Years	2 Years	5 Years	2 Years	> 2 Years	2 Years	5 Years	3 Years
	*/transactions - Intraday Data	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
iso20022	GET/iso20022/statements	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	❌	✅	✅	✅	✅	✅	✅	✅
	*/statements - Historical Data (at initial Consent)	2 Years	60 Days	Last business day only	0	1 Year	> 2 Years	2 Years	0	2 Years	30 Days	Since 01/2024, max. 2Y	2 Years	❌	5 Days	0	Last business day only	Since 02/2025, max. 2Y	0	0	0
	*/statements - Historical Data	2 Years	As of initial consent	Last business day only	Last business day only	1 Year	> 2 Years	2 Years	Last business day only	2 Years	30 Days	Since 01/2024, max.2Y	2 Years	❌	5 Days	Last business day only	Last business day only	Since 02/2025, max. 2Y	Last business day only	Last business day only	7 Days
	GET/iso20022/statements/{reportId}	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	❌	✅	✅	✅	✅	✅	✅	✅
consents	GET/consents	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
diagnostics	GET/healthcheck	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	❌	✅	✅	✅

iso20022/statements

Participant	Naming-Pattern
Acrevis	name: {IBAN} id: {YYYYMMDD}{accountId}-bLink.xml
AKB	name: IBAN description: YYYY-MM-DD
Avera	name: {IBAN} id: {YYYYMMDD}{accountId}-bLink.xml
BCJ	name: {IBAN} id: {YYYYMMDD}{accountId}-bLink.xml
BCV	name: CAMT.053_{accountId}_{startDate}_{endDate}_{index}
BEKB	name: {IBAN}_{YYYY-MM-DD}
CIC	name: CAMT_053_<IBAN>_<Start BWD>_<End BWD> description: CAMT.053 / <IBAN>/ <Start BWD> - <End BWD>
Clientis	name: {IBAN} id: {YYYYMMDD}{accountId}-bLink.xml
Esprit	name: CAMT_053_IBAN_DATEFROM_DATETO.xml
HBL	name: <IBAN>_<YYYY-MM-DD>_<YYYY-MM-DD>.xml
LUKB	name: CAMT_053_<IBAN>_<YYYY-MM-DD>_<YYYY-MM-DD>.xml CAMT_053_<IBAN>_<Start Bank/non-Bank WorkingDay>_<End BankWorkingDay>.xml
NKB	name: {IBAN} id: {YYYYMMDD}{accountId}-bLink.xml
SZKB	name: {IBAN} id: {YYYYMMDD}{accountId}-bLink.xml
TKB	name: <accountId>-1D-<date: YYYYMMDD>
UBS	name: IBAN description: YYYY-MM-DDThh:mm:ssZ
Valiant	name: {IBAN} id: {YYYYMMDD}{accountId}-bLink.xml
ZKB	name: CAMT_053_{IBAN}_YYYYMMDD
ZGKB	name: {IBAN} id: {YYYYMMDD}{accountId}-bLink.xml

Payment Submission Service

API Tag	Endpoint	Participant
		Acrevis	AKB	Avera	BCJ	BCV	BEKB	CIC	Clientis	Esprit	HBL	LUKB	NKB	SGKB	SZKB	TKB	UBS	Valiant	ZGKB	ZKB
payments	POST/payments	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
	GET/payments/{submissionId}/status	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
iso20022	GET/iso20022/payments	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
	GET/iso20022/payments/{submissionId}/status	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
consents	GET/consents	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
diagnostics	GET/healthcheck	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	❌	✅	✅	✅
	POST/healthcheck	✅	✅	✅	✅	✅	✅	✅	✅	✅	❌	✅	✅	✅	✅	✅	❌	✅	✅	✅