Lån & Spar Bank API Access & Open Banking

Lån & Spar Bank has long served Danish members and salaried professionals, and its customers increasingly want their account data available outside the mobile app. open-banking.io gives you PSD2-based access to your Lån & Spar Bank accounts without certificates, eIDAS registration, or a licence of your own. Both business and personal account types are supported, and a single approval keeps your connection live for up to 180 days before you renew it.

Everything runs on a zero-knowledge design. When you join, your encryption keys are generated on your own device, so open-banking.io only ever stores your public key — the servers physically cannot read or decrypt your Lån & Spar Bank transactions. For roughly EUR 3/month you get bank access that stays private by construction.

How to connect Lån & Spar 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 at open-banking.io and set your encryption passphrase; your private key is created locally and never leaves your device.
  2. In the dashboard, choose Lån & Spar Bank and select whether you are linking a business or personal account.
  3. You are redirected to Lån & Spar Bank's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts and transactions sync back into your dashboard, encrypted under your key.

Access your data

Reading the data programmatically is an optional developer step you take after the connection exists. On the Developers page, create an API key and export a credentials.json — this bundles the API key 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. Without that private key an API key alone returns only ciphertext, and the CLI never connects a bank — it only reads and syncs the Lån & Spar Bank connection you already approved.

Note that Lån & Spar Bank does not publish a BIC in our reference data, so identify accounts by their IBAN or account number.

Do I need an eIDAS certificate for Lån & Spar Bank?

No. open-banking.io is certificate-free; you approve access directly on Lån & Spar Bank's consent screen.

Up to 180 days per approval, after which you simply re-approve from the dashboard.

Can open-banking.io read my transactions?

No. It holds only your public key, so all decryption happens on your device.

Get started at open-banking.io.