Kreditbanken API Access | Open Banking Denmark

Pulling live data from Kreditbanken into your own software no longer means wrestling with bank-specific certificates or bespoke integrations. With open-banking.io you connect once to a single EU/UK API and start syncing your Kreditbanken accounts, balances and transaction history in a matter of minutes. Whether you are building bookkeeping automation, a treasury dashboard or a lending tool, the same standardised endpoints cover Kreditbanken alongside 2,600+ other European banks.

How to connect Kreditbanken

1. Create an open-banking.io account and grab your API key.
2. Call the institutions endpoint and select Kreditbanken (Denmark) from the list.
3. Redirect your user to the secure Kreditbanken consent screen to authorise access.
4. Receive the callback and exchange it for a reusable access token.
5. Query accounts, balances and transactions as structured JSON.

What data you can access

Once a customer has approved the connection, you can read their account details (both business and personal accounts), current and available balances, and full transaction feeds with counterparties, amounts, dates and reference text. Everything arrives in one consistent schema, so Kreditbanken data looks identical to every other bank you integrate.

Consent and coverage

Kreditbanken supports business and personal account types. A single user authorisation stays valid for up to 180 days before it needs to be renewed, giving you long-running access without constant re-prompting. Note that a BIC is not exposed for this institution, so identify accounts by their IBAN and account metadata instead.

Privacy by design

open-banking.io is zero-knowledge: we never see or store your users' banking credentials, and there are no eIDAS certificates for you to purchase or maintain. Authentication happens directly between the account holder and Kreditbanken, and tokens flow through infrastructure built to keep sensitive financial data out of reach.

Pricing

Access starts at roughly EUR 3 per month, with the same flat, predictable rate whether you connect one bank or hundreds. No per-certificate fees, no enterprise minimums.

FAQ

Do I need an eIDAS certificate to reach Kreditbanken?

No. open-banking.io is certificate-free, so you can start integrating immediately without regulatory paperwork.

How long does a Kreditbanken consent last?

Up to 180 days per authorisation. After that, simply send the user through the consent flow again to refresh access.

Can I access both business and personal accounts?

Yes. Kreditbanken exposes both account types through the same API, so your integration handles them identically.

Ready to build? Start connecting Kreditbanken today at open-banking.io.