PenSam Bank Open Banking & API Access in Denmark

Reaching your PenSam Bank account data used to mean wrestling with eIDAS certificates and a PSD2 sandbox. open-banking.io removes that barrier. It links to more than 2,600 banks across the EU and UK, including PenSam Bank in Denmark, and hands the decryption keys to you alone. Whether you hold a personal account or run a business relationship, you can bring PenSam Bank balances and transactions into one dashboard — and, if you write code, read them programmatically afterwards.

Because the platform is zero-knowledge, PenSam Bank data is encrypted on your own device and decrypted there too. open-banking.io keeps only your public key, so its servers never see your statements in the clear. No client certificate is ever required.

How to connect PenSam 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 an encryption passphrase. Your key pair is generated locally on your device; the passphrase never leaves it.
3. In the dashboard, choose PenSam Bank and select the account type you need — business or personal.
4. You are redirected to PenSam Bank's own secure login to approve access. You grant PSD2 consent directly on the bank's screen, valid for up to 180 days before a renewal is needed.
5. Your approved accounts sync back into the dashboard automatically.

PenSam Bank has no published BIC available on the platform, so simply pick it by name from the bank list.

Access your data

Once a connection exists, developers can optionally read it in code. 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. Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. The API key alone only ever returns ciphertext, so nothing is readable without the key you hold.

All of this runs for roughly EUR 3 per month.

Do I need a certificate to connect PenSam Bank?

No. open-banking.io is certificate-free — you approve access on PenSam Bank's login screen and nothing else is required.

Can open-banking.io read my PenSam Bank transactions?

No. The service is zero-knowledge and stores only your public key. Decryption happens on your device.

Can the CLI connect a new PenSam Bank account?

No. The CLI and SDK only read and sync existing connections. Connecting is done in the dashboard.

Start at https://open-banking.io.