Ikano Bank Denmark: Open Banking & API Access

Ikano Bank in Denmark serves everyday savers and businesses with straightforward deposit and lending products, but its data lives behind a bank login rather than a public developer portal. open-banking.io bridges that gap: a certificate-free, EU/UK-wide PSD2 service that lets you reach your own Ikano Bank balances and transactions without eIDAS certificates, sandbox paperwork, or custom integration work.

The difference here is trust. open-banking.io is zero-knowledge — the encryption keys are generated on your own device, and only you hold the private key. Its servers store nothing but your public key, so your Ikano Bank data is decrypted locally and never readable by anyone else. For around EUR 3/month you get access to 2,600+ European banks under one roof.

How to connect Ikano Bank

Connecting happens entirely in 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 your encryption passphrase. Your keys are created locally, on your device.
  2. In the dashboard, pick Ikano Bank (Denmark) and choose your account type — both business and personal accounts are supported.
  3. You are redirected to Ikano Bank's own secure login to approve access (standard PSD2 consent).
  4. Once approved, your accounts sync straight into your dashboard.

Your consent stays valid for up to 180 days, after which you simply re-approve on Ikano Bank's screen. Note that Ikano Bank Denmark has no published BIC, so identify the bank by name in the dashboard.

Access your data

Once a connection exists, developers can optionally read it programmatically. 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 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. Without that private key, the API only ever returns ciphertext — even to you.

Does open-banking.io need an eIDAS certificate?

No. The service is certificate-free — you connect through Ikano Bank's normal consent flow, no QWAC or QSeal required.

Can I connect Ikano Bank from the CLI?

No. Connecting is a dashboard-only step. The CLI, SDK, and API only read or sync connections you have already approved.

Who can read my Ikano Bank data?

Only you. Because keys are generated on your device and open-banking.io holds just your public key, the platform cannot decrypt your data.

Start at open-banking.io.