We continue to make great strides together

With PSD2, we've enhanced the security of your data. That's why you'll notice some changes in your online banking.

Greater security

When you identify yourself on the web or app, we will ask you for an additional password.

How will I identify myself from now on?

A better experience

All operations are signed with your mobile. If you still use a code card, it'll stop working soon.

Activate my signature

And if you are a company...

You can now send money with other bank accounts* from our website.

Find out more

To take advantage of all this, you need to:

Keep your app updated with the latest version.

Sign your operations with your mobile using the Digital Signature.

What are the changes with PSD2?

When log into the web
When you log into the app
When you buy online

You're going to log in differently. How? How?

With your usual username and password.

But also by entering, a code we'll send to your mobile.

You'll normally have to log in like this. Also when you consult account movements that are more than 90 days old.

You'll only notice any changes if you sign your operations by receiving a text message. How do I log in?How do I log in?

With your usual username and password.

But also by entering a code you'll get on your mobile.

You will notice electronic stores have reinforced their security:

If you have activated push notifications:
You will sign the transaction on your smartphone, using your app to confirm the purchase.

If you receive the confirmation keys by SMS:
You will only have to enter your usual password from the app or Banco Sabadell website and confirm the purchase.

If you have a password generator:
You will confirm your purchase by accessing to your online banking at Banco Sabadell website.

Remember that you will carry out the transaction in the Banco Sabadell environment, so the process is more secure and your data is protected.

Any questions? Answers here

What are the changes with PSD2?

When log into the web

You're going to log in differently. How? How?

With your usual username and password.

But also by entering, a code we'll send to your mobile.

You'll normally have to log in like this. Also when you consult account movements that are more than 90 days old.

When you log into the app

You'll only notice any changes if you sign your operations by receiving a text message. How do I log in?How do I log in?

With your usual username and password.

But also by entering a code you'll get on your mobile.

When you buy online

You will notice electronic stores have reinforced their security:

If you have activated push notifications:
You will sign the transaction on your smartphone, using your app to confirm the purchase.

If you receive the confirmation keys by SMS:
You will only have to enter your usual password from the app or Banco Sabadell website and confirm the purchase.

If you have a password generator:
You will confirm your purchase by accessing to your online banking at Banco Sabadell website.

Remember that you will carry out the transaction in the Banco Sabadell environment, so the process is more secure and your data is protected.

Any questions? Answers here

You can now make transfers from your other banks without leaving our website

Save time and make life easier by sending money directly from the Your Finances aggregator on our website, so you don’t have to go to other banks' websites separately.

You just need to have added the source account* which you want to send the money from to Your Finances. At the moment, you can make domestic transfers from Your Finances and we are working on the system so that you will soon be able to make international transfers too.

Exclusive service for companies which is only available on our website.

* Provided it is a CaixaBank, Banco Santander, BBVA, Bankinter or Bankia account, as these are the banks that are initially available for this service.

Discover “My Finances”, the Banco Sabadell aggregator

Having all your accounts together helps you in your daily life.

You can see all your balances in one place, even if they are accounts in different banks.

You can keep a tighter control over your money, since you can organize it by categories and know what you are spending it on.


If you don't check your Banco Sabadell accounts online:

You might not have activated your online banking service. Visit your branch so we can help you.

When can we see you?
Are you a company or a third party?

This information may interest you:

API channel technical documentation for TPPs

Access to the Banco Sabadell PSD2 Sandbox

Protocol to follow to use the contingency mechanism

Fall-back mechanism technical documentation

If you have an issue and you are a company or third party registered and authorised by the European Central Bank (ECB) our team of specialists will help you solve it:

1. Download and fill in this form.
2. Depending on the type of incident, send an email to the following contacts:

Matters related to the Sandbox: psd2.sandbox.soporte@redsys.es

Matters related to the productive environment: psd2.hub.soporte@redsys.es

You can also call 917 282 321, from Monday to Saturday, from 08.00 to 22.00.

Quarterly report on availability and performance of the API and subtraction of online channels.

October 2023 – December 2023 Dashboard.
Frequently Asked Questions:

Do you shop online on European websites?

The EU has a series of rules that protect you when you make electronic payments. Read all about your rights here.

What happens if I don't activate my Digital Signature?

You won't be able to consult your accounts via our app or website. Remember your code card will stop working and it's very important for you to activate the Digital Signature via our app.

What should I do if I normally operate with a secondary card?

You'll have to register as a digital client and then download the app and activate your Digital Signature. Pop in to one of our branches and we'll help you. You can make an appointment here.

What if I'm a client of a foreign branch?

If you signed your contract with Banco Sabadell at a foreign branch outside Spain, switch to Digital Signature before 14 September. Find out how to do it.

Why should I keep the Banco Sabadell app updated?

Because the latest update for the app will contain all the security reinforcements required by the new directive. So you should make sure it's up-to-date to be able to use it properly.

What happens if I log into the app from a mobile phone that's not the one I normally use?

To make your accounts more secure, we'll ask you to enter an additional code that we'll send to the mobile phone you normally use to access the app. So, in addition to your usual username and password, you'll have to enter that additional code.

I use a password generator or token; what do I need to know?

Whenever you access our website, we'll ask you for a second code that will be generated by your token and you'll have to enter, in addition to authenticating your ID as normal.

More about PSD2:

What is PSD2?

This is Europe's revised Payment Services Directive. It has two main features: it increases the security of online payments by asking users for a second authentication code and also makes banking more competitive, which benefits customers. It also gives customers the chance to control who has access to their accounts and how they can access them.

The new open banking era

Open banking makes bank information available to third parties throughout the European Economic Area. It aims to optimise banking and give customers greater control over their financial data, which they can freely share with third parties by giving their specific consent. In turn, banks will be able to offer customers new, more personalised services. Remember that, whenever you want to transfer your data, you'll have to specifically authorise this. You can always withdraw your consent via our website.

Payment Initiation Service Providers (PISP) or Initiators

Payment Service Providers can initiate payments from any website or app. For instance, you can initiate a transfer via our app with an account at another bank. It's that easy.

Account Information Service Providers (AISP) or Aggregators

These provide an overview of your financial data, like in some currently available apps. Very soon, via our website and app, you'll be able to see all your finances at a glance to help you make the best financial decisions.