PenSam Bank API Access | Open Banking Denmark

Syncing your PenSam Bank data has never been simpler. With open-banking.io you connect a PenSam Bank account in Denmark and pull live financial information straight into your own app, dashboard, or bookkeeping workflow — no banking licence, no eIDAS certificate, and no drawn-out onboarding.

PenSam Bank grew out of Denmark's pension sector, serving members with everyday personal and business banking. Our unified API sits in front of it, turning PenSam Bank's PSD2 endpoints into one clean, predictable interface. Whether you build a personal finance tool, automate reconciliation, or aggregate several institutions, the integration stays identical.

How to connect PenSam Bank

1. Sign up for an open-banking.io account and grab your API key.
2. Call the connect endpoint and select PenSam Bank (Denmark) from the institution list.
3. Redirect your user to PenSam Bank's own secure login to approve access.
4. Receive the consent token and start requesting data immediately.

What data you can access

Once a customer approves, you can read their account details (business or personal), real-time and booked balances, and a full transaction history with amounts, dates, counterparties, and reference text. Everything returns as consistent JSON, so PenSam Bank responses look the same as every other bank you connect.

Consent and coverage

PenSam Bank supports both business and personal account types. A single customer consent stays valid for up to 180 days before re-authentication is needed — among the longest windows PSD2 allows. No BIC is required to route the connection; selecting the institution is enough. The same API reaches 2,600+ banks across the EU and UK, so PenSam Bank can be one line in a much larger picture.

Privacy by design

open-banking.io is zero-knowledge: credentials go straight to PenSam Bank and are never stored by us. There are no certificates to buy, host, or renew — we handle the regulatory heavy lifting so you handle the data. Traffic is encrypted end to end, and consent can be revoked by the account holder at any time.

Pricing

Access starts at roughly EUR 3 per month, with no per-call surprises or setup fees. Test PenSam Bank in sandbox, then move to production when you're ready.

FAQ

Do I need my own banking licence to use PenSam Bank data?

No. open-banking.io operates under the required regulatory permissions, so you connect through us without a licence or certificate.

How long does PenSam Bank access last?

Each customer consent is valid for up to 180 days, after which the account holder simply re-approves to continue syncing.

Can I connect both personal and business accounts?

Yes. PenSam Bank exposes personal and business account types, and both work through the same endpoints.

Ready to start? Explore the docs and connect your first bank at open-banking.io.