Skjern Bank API Access & Open Banking Integration

Reaching your Skjern Bank accounts programmatically usually means chasing eIDAS certificates and PSD2 licences. open-banking.io removes that barrier: it links your Danish account through a regulated PSD2 flow and hands you clean, decrypted account and transaction data — no certificate registration, no bank-side sandbox paperwork. Skjern Bank supports both personal and business accounts, and a single consent stays valid for up to 180 days before you re-approve.

How to connect Skjern 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 open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device, so only you can later unlock the data.
  2. In the dashboard, search for and select Skjern Bank, then choose the account type you need — personal or business.
  3. You are redirected to Skjern Bank's own secure login, where you approve access on the bank's official consent screen (standard PSD2 authorisation).
  4. Once approved, your accounts and transactions sync back into your open-banking.io dashboard automatically.

Because Skjern Bank does not publish a public BIC through this channel, you simply pick it by name in the list — no routing codes to enter by hand.

Access your data

Want programmatic access? That's an optional developer step you take after connecting. On the Developers page, create an API key and export a credentials.json file, which bundles the API key with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request authenticates with the X-Api-Key header, and each response is decrypted locally with your own key — the API key alone only ever returns ciphertext.

This is what zero-knowledge means in practice: open-banking.io stores only your public key and can never read your Skjern Bank data. The whole service costs around EUR 3 per month across 2,600+ supported banks.

Does Skjern Bank issue me an API key?

No. Skjern Bank only handles the consent approval on its own login page. Your API key is created inside open-banking.io, not by the bank.

How long does my access last?

A Skjern Bank consent is valid for up to 180 days. After that you simply re-approve through the dashboard to keep syncing.

Can I connect a business account?

Yes. Both business and personal Skjern Bank accounts are supported — pick the type when you select the bank.

Start at open-banking.io.