Facit Bank API Access & Open Banking | open-banking.io

Reaching your Facit Bank data no longer means wrestling with eIDAS certificates or a bank sandbox. open-banking.io is a zero-knowledge, certificate-free gateway to more than 2,600 European and UK banks, and Facit Bank is one of them. You approve access once on the bank's own login, and your accounts flow into a single dashboard where — crucially — everything is decrypted on your device with a key only you hold.

Facit Bank covers both business and personal account types, and a single consent stays valid for up to 180 days before you re-approve. Note that Facit Bank has no BIC listed here, so account matching relies on the identifiers the bank returns during consent rather than a SWIFT code.

How to connect Facit Bank

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 cryptographic keys are generated locally on your own device; the servers only ever see your public key.
  2. In the dashboard, search for Facit Bank and choose whether you're linking a business or personal account.
  3. You're redirected to Facit Bank's own secure login, where you authenticate and approve the PSD2 access request directly with the bank.
  4. Once you confirm, your accounts and transactions sync back into your dashboard, ready to view.

That's the whole flow — you never hand credentials to open-banking.io, and the consent lives with Facit Bank for up to 180 days.

Access your data

Programmatic access is an optional step you take after a Facit Bank connection already exists. On the Developers page, create an API key and export a credentials.json, which bundles that key together with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key — the API key alone only ever returns ciphertext. The CLI and SDK read and sync your existing connection; they never establish a new one.

Because open-banking.io is zero-knowledge and certificate-free, no server can read or decrypt your Facit Bank data. All of this runs for roughly EUR 3/month.

FAQ

Do I need an API key to connect Facit Bank?

No. Connecting is done in the dashboard via Facit Bank's own consent screen. API keys are only for optionally reading data later.

What account types does Facit Bank support?

Both business and personal accounts can be linked through open-banking.io.

Up to 180 days, after which you re-approve access on Facit Bank's login to keep syncing.

Ready to start? Visit open-banking.io.