Nykredit Bank API Access & Open Banking (Denmark)

Reaching Nykredit Bank account data no longer means wrestling with eIDAS certificates, sandbox onboarding, or a bespoke bank API. open-banking.io gives you PSD2 access to Nykredit Bank (BIC NYKBDKKK) across the whole of the EU and UK, covering both business and personal accounts. You connect once, and every balance and transaction flows into a dashboard where only you hold the key that can read it.

The service is zero-knowledge by design: your encryption keys are generated on your own device, and open-banking.io's servers only ever hold your public key. That means the ciphertext they store is useless to anyone but you — a genuinely certificate-free, privacy-first way to work with Danish banking data.

How to connect Nykredit Bank

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 an open-banking.io account.
2. Set your encryption passphrase. Your private decryption key is generated locally, so no one else — not even open-banking.io — can read your data.
3. Pick Nykredit Bank in the dashboard and choose your account type (business or personal).
4. Approve access on Nykredit Bank's own login. You're redirected to the bank's secure PSD2 consent screen, where you authenticate and grant access directly. Consent lasts up to 180 days before you renew it.
5. Your accounts sync back into the dashboard, decrypted locally for your eyes only.

Access your data

Once the connection is live, developers can optionally read the data programmatically. From the Developers page, create an API key and export a credentials.json — this bundles your 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 directly.

Every request carries the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key there is nothing readable to leak. The CLI and SDK read and sync existing connections; they never create one.

All of this runs for around EUR 3/month.

Do I need an eIDAS certificate for Nykredit Bank?

No. open-banking.io is certificate-free — you approve access on Nykredit Bank's own consent screen, with no QWAC or QSEAL to manage.

Can open-banking.io read my Nykredit Bank data?

No. The architecture is zero-knowledge. Data is decrypted on your device with a key only you hold; the servers store only your public key and encrypted data.

How often do I re-approve access?

Nykredit Bank consent is valid for up to 180 days, after which you re-authorise through the bank's login again.

Ready to start? Connect Nykredit Bank at open-banking.io.