Holvi API Access via Open Banking | open-banking.io

Holvi is a business banking service built for freelancers, entrepreneurs and small companies, and open-banking.io gives you a clean, privacy-first way to reach its account data. Instead of wrestling with eIDAS certificates or PSD2 sandbox registrations, you link Holvi once in a web dashboard and your balances and transactions become available — both to read by hand and to pull programmatically. Holvi issues business accounts (BIC HOLVDEB1XXX), and each access consent stays valid for up to 180 days before you re-approve it.

The defining feature is the zero-knowledge, certificate-free design. Your encryption keys are generated on your own device from a passphrase you choose, so open-banking.io only ever holds your public key. It cannot read or decrypt anything that flows through it — the plaintext only exists locally, on your machine.

How to connect Holvi

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code or key involved in this step.

1. Sign up for open-banking.io and set an encryption passphrase; your key pair is created locally in your browser.
2. In the dashboard, choose Holvi from the bank list and select the business account type.
3. You are redirected to Holvi's own secure login, where you approve access on the bank's PSD2 consent screen.
4. Control returns to your dashboard and your Holvi accounts sync in, ready to view.

That's it — no developer redirect, no upload of credentials to us. You authenticate directly with Holvi.

Access your data

Reading Holvi data programmatically is an optional step you take after connecting. Open the Developers page, create an API key, and export a credentials.json — it bundles the API key together with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Note the CLI and SDK only read and sync connections that already exist — there is no connect command.

At around EUR 3/month, you get ongoing access across 2,600+ EU and UK banks under the same model.

Do I need a PSD2 certificate for Holvi?

No. open-banking.io is certificate-free — approval happens on Holvi's login screen, nothing to register.

Can open-banking.io see my Holvi transactions?

No. It stores only your public key. Data is decrypted on your device with a private key that never leaves it.

Does an API key alone return readable data?

No. Without your private decryption key an API key returns only ciphertext; decryption is always local.

Start at open-banking.io.