Kreditbanken Open Banking & API Access in Denmark

Kreditbanken, the regional Danish bank headquartered in Aabenraa, supports PSD2 open banking, which means you can bring your Kreditbanken account and transaction data into your own tools through open-banking.io. It works with 2,600+ EU and UK banks, needs no eIDAS certificate and no bank-specific integration paperwork, and costs around EUR 3 per month. Both business and personal Kreditbanken accounts are supported, and a single approval grants read access for up to 180 days before you renew it.

The defining feature is privacy. open-banking.io is zero-knowledge: your encryption keys are generated on your own device from a passphrase only you know, and the service stores only your public key. Every piece of Kreditbanken data is decrypted locally, so the servers never see your balances or transactions in readable form.

How to connect Kreditbanken

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 your encryption passphrase; your private key is created locally at that moment.
  2. In the dashboard, choose Kreditbanken and select the account type you want to link — business or personal.
  3. You are redirected to Kreditbanken's own secure login and consent screen, where you authenticate and approve access directly with the bank.
  4. Once approved, your Kreditbanken accounts sync into your dashboard, and the consent stays valid for up to 180 days.

Kreditbanken never shares your credentials with open-banking.io — you always approve access on the bank's own screen.

Access your data

Reading Kreditbanken data programmatically is an optional step you take after the connection exists. On the Developers page, create an API key and export a credentials.json file, which bundles that 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. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key — an API key alone only ever returns ciphertext.

FAQ

Does Kreditbanken have a public API for developers?

Kreditbanken exposes PSD2 access, and open-banking.io turns that into a clean, unified interface so you don't build against the bank directly. BIC is not published for this connection.

Up to 180 days per approval. When it lapses, reconnect from the dashboard to start a fresh window.

Can open-banking.io read my Kreditbanken data?

No. It is zero-knowledge and holds only your public key. Decryption happens on your device with a private key that never leaves it.

Start at open-banking.io.