Middelfart Sparekasse API Access & Open Banking

Middelfart Sparekasse is a Funen-based Danish savings bank, and open-banking.io lets you reach its account and transaction data without chasing PSD2 certificates or building your own bank integration. Both business and personal accounts are supported, and every access grant lasts up to the regulatory maximum of 180 days before you renew it. Middelfart Sparekasse does not publish a BIC on our network, so you simply select the bank by name — no routing codes to look up.

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. Nobody at open-banking.io — and no server in the middle — can read or decrypt what flows through your Middelfart Sparekasse connection.

How to connect Middelfart Sparekasse

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

  1. Sign up for open-banking.io and set your encryption passphrase; your keys are created locally on your device.
  2. In the dashboard, choose Middelfart Sparekasse and pick the account type you hold — business or personal.
  3. You are redirected to Middelfart Sparekasse's own secure login and consent screen, where you approve access directly with the bank (standard PSD2 consent, valid for up to 180 days).
  4. Once approved, your accounts and transactions sync back into your dashboard, ready to view.

Access your data

Reading the data programmatically is an optional developer step that comes after the bank is connected. 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. The key alone only ever returns ciphertext from the server — readable data exists only on your machine.

All of this runs for roughly EUR 3/month across 2,600+ supported EU/UK banks.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you approve access on Middelfart Sparekasse's login screen and never handle PSD2 certificates.

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

No. It holds only your public key; decryption happens on your device, so the service never sees readable data.

Can the CLI connect the bank for me?

No. The CLI and SDK only read and sync existing connections. You must first link Middelfart Sparekasse in the dashboard.

Get started at open-banking.io.