Apple Pay - Пиреус Банк в Україні

What is Open Banking

Open Banking is a model for sharing financial data that allows a customer to grant third-party payment service providers access to their account information or the ability to initiate payments through dedicated interfaces (APIs), solely based on the user's consent.

Access Piraeus Bank ICB JSC provides access to its customers’ accounts within the Open Banking framework in accordance with the requirements of Ukrainian legislation.

Regulatory Framework Open Banking is implemented in accordance with the requirements of the National Bank of Ukraine, including: NBU Resolution No. 80 on Open Banking.

Financial Services Open Banking enables customers to use various financial services to manage their accounts within the scope of the permissions they have granted.

Open Banking Participants

The following parties are involved in the interaction:

Payment Service User (PSU) – the account holder
Account Servicing Payment Service Provider (ASPSP) – Piraeus Bank ICB JSC
Third-Party Payment Service Provider (TPP) – an external service provider
Technology Operator (UPC) – responsible for technical API connectivity and interaction

Benefits of Open Banking for Customers

Open Banking provides customers with greater control and convenience when using financial services.
Key Benefits

Unified access to finances - view accounts from multiple banks in a single application
Easy service connectivity - quick access to financial and payment applications
Data control - customers independently determine the scope of access granted
Consent management - ability to modify or revoke access at any time
Data protection - access confirmation through bank authentication using Strong Customer Authentication (SCA)
Faster operations - simplified payment initiation

How It Works for Customers

Customers may use a third-party financial service (TPP) that requests access to their accounts held with Piraeus Bank ICB JSC or initiates a payment.
Interaction Process

1. The customer initiates an action in the application of a third-party service provider (TPP)
2. The customer provides consent and is automatically redirected to the Winbank application for confirmation
3. In Winbank, the customer:

-reviews the consent parameters or transaction details
-confirms or rejects the request using Strong Customer Authentication (SCA)
4. Once confirmed:

-the consent becomes active
-the TPP receives access or the ability to perform operations within the granted permissions

How it works

In the Winbank mobile application, customers can:

View all granted consents (active and inactive)
Review consent details and parameters
Manage and revoke consents at any time (individually or all at once)

Detailed Information

Standards and Requirements

The Open Banking platform of Piraeus Bank ICB JSC complies with international standards and regulatory requirements, including:

Berlin Group NextGenPSD2 as the primary standard for API implementation and interaction with TPPs
Requirements of the National Bank of Ukraine regarding account access, consent management, and onboarding of third-party payment service providers
Information security requirements, ensuring data protection, access control, and secure authentication

How to Contact the Bank

For matters related to Open Banking operations, customers may contact the Bank through:

The Bank's Contact Center (24/7, after successful authentication):
- For calls from abroad: +380 44 495 88 90
- Toll-free within Ukraine: 0 800 30 88 80
Winbank mobile application (Viber/Telegram chat support) – available until 18:00
Email: info@piraeusbank.ua
Bank branches
Feedback form available on the Bank's website
Written correspondence sent to the Bank's registered address:
11 Biloruska Street, Kyiv, 04119, Ukraine

Procedure for Unauthorized, Incorrect, or Improper Transactions

If unauthorized, incorrect, or improper payment transactions initiated through a Third-Party Payment Service Provider (TPP) within the Open Banking framework are identified, Piraeus Bank ICB JSC will investigate such transactions in accordance with its internal procedures and the requirements of Ukrainian legislation.
Where the customer is not at fault, the Bank will refund the funds related to such transactions.
For investigation purposes, the Bank may cooperate with the relevant TPP, including requesting necessary information and supporting documents. If the TPP is found responsible, the Bank reserves the right to seek reimbursement of incurred losses from the respective provider.

For Partners and Developers (TPPs)

Technical integration with the services of Piraeus Bank ICB JSC within the Open Banking framework is performed through the Bank's Open APIs implemented via the technology operator Ukrainian Processing Center (UPC).
UPC Technology Operator Provides:

Implementation and maintenance of dedicated APIs
Routing and processing of requests between the Bank and TPPs
Sandbox environment
Developer portal and technical documentation
Support for integration of third-party payment service providers

Troubleshooting

26. What if I unpair my Apple Watch from my iPhone?

If you unpair your Apple Watch from your iPhone, all your Apple Pay information will be wiped from your Apple Watch. To use Apple Pay on your Apple Watch again, you’ll need to re-add your card information using the same process as when you first set it up.

27. What happens when I replace or update my device?

If you replace or update your device, you’ll need to add your card(s) again to the Wallet app using the same Apple Pay set up process as you did before.

Be sure to remove your card(s) from Apple Pay before you dispose of your device.