Fanø Sparekasse Open Banking & API Access Guide

Fanø Sparekasse is a small Danish savings bank rooted in the island community of Fanø. If you want your Fanø Sparekasse balances and transactions in one place — a spreadsheet, an accounting tool, or your own script — open-banking.io gives you PSD2 access without certificates, eIDAS setup, or a bank developer contract. It covers 2,600+ banks across the EU and UK, and everything your bank returns is decrypted on your own device with a key only you hold.

Fanø Sparekasse supports both business and personal accounts, and a single approval grants read access for up to 180 days before you renew it. Fanø Sparekasse does not publish a BIC through this integration, so you simply select the bank by name.

How to connect Fanø Sparekasse

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

  1. Sign up at open-banking.io and set your encryption passphrase. Your keys are generated locally on your device, so nobody else — not even open-banking.io — can read your data.
  2. In the dashboard, search for and pick Fanø Sparekasse, then choose the account type you need (business or personal).
  3. You are redirected to Fanø Sparekasse's own secure login and consent screen, where you approve access directly with the bank.
  4. Your accounts sync back into the dashboard, and stay available for the 180-day consent window.

Access your data

Reading data programmatically is an optional step you take after connecting. On the Developers page, create an API key and export a credentials.json — this 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. An API key by itself only ever returns ciphertext — the private key that unlocks it never leaves your machine. Note the CLI and SDK only read and sync connections you already approved; there is no connect command.

FAQ

Do I need a BIC to connect Fanø Sparekasse?

No. No BIC is required — select Fanø Sparekasse by name in the dashboard and approve access on the bank's own consent screen.

Can open-banking.io see my Fanø Sparekasse data?

No. The service is zero-knowledge and holds only your public key. Data is encrypted and only decrypts locally with the private key you control.

How long does access last and what does it cost?

Each consent lasts up to 180 days, then you renew it. The service costs around EUR 3 per month.

Ready to start? Visit open-banking.io.