Spar Nord Bank API Access & Open Banking Integration

Spar Nord Bank is one of Denmark's largest and oldest banks, serving personal and business customers across the country. If you want programmatic, PSD2-compliant access to your Spar Nord Bank accounts and transactions, open-banking.io gives you a route that skips the usual barriers — no eIDAS certificate, no bank-by-bank paperwork, no regulator sign-off. It is one of 2,600+ EU/UK banks you can reach through a single service, and everything you pull back is decrypted on your own device with a key only you hold.

Spar Nord Bank connections carry the BIC NYKBDKKK, cover both business and personal account types, and honour PSD2 consent for up to 180 days before you need to re-authorise.

How to connect Spar Nord 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 the passphrase never leaves it.
  2. In the dashboard, search for Spar Nord Bank and choose the account type you hold — business or personal.
  3. You are redirected to Spar Nord Bank's own secure login, where you approve access under PSD2 (your consent, granted directly to the bank).
  4. Once approved, your Spar Nord Bank accounts and transactions sync into your dashboard, ready to view.

Access your data

Reading your data programmatically is an optional step for developers, done after the bank is already 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 API key alone only ever returns ciphertext.

Because open-banking.io is zero-knowledge, its servers hold only your public key and can never read or decrypt your Spar Nord Bank data. All of this runs for around EUR 3 per month.

Do I need a certificate or developer licence?

No. open-banking.io is certificate-free — you approve access directly on Spar Nord Bank's consent screen and skip the eIDAS/regulatory setup entirely.

Can the CLI connect my Spar Nord Bank account?

No. The CLI and SDK only read and sync connections you have already made in the dashboard. There is no connect command.

How long does my Spar Nord Bank access last?

Spar Nord Bank permits a consent window of up to 180 days, after which you simply re-approve in the dashboard.

Start at open-banking.io.