Sparekassen Danmark API Access & Open Banking

Sparekassen Danmark is one of Denmark's larger savings banks, and open-banking.io lets you reach its account data without wrestling with eIDAS certificates, sandbox onboarding or provider-specific paperwork. You get a single, certificate-free path to your business and personal balances and transactions — and because everything is decrypted on your own device, open-banking.io never sees your figures in the clear.

The service spans 2,600+ EU and UK banks. Sparekassen Danmark exposes both business and personal account types, PSD2 consent lasts up to 180 days before you re-approve, and no BIC is required to set the connection up.

How to connect Sparekassen Danmark

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 an encryption passphrase. Your keys are generated locally on your device; only you hold the private one.
  2. In the dashboard, pick Sparekassen Danmark and choose the account type you need (business or personal).
  3. You are redirected to Sparekassen Danmark's own secure login, where you approve access on the bank's consent screen.
  4. Your accounts sync back into the dashboard, ready to view or export.

That's it — the bank authenticates you directly, so your credentials never touch open-banking.io.

Access your data

Once a connection exists, developers can optionally read it programmatically. 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 carry the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard — they never establish new ones.

Because open-banking.io is zero-knowledge, its servers hold only your public key; an API key alone returns ciphertext until your private key unlocks it. All of this runs at around EUR 3/month.

Do I need an eIDAS certificate for Sparekassen Danmark?

No. open-banking.io is certificate-free — you approve access on the bank's own consent page instead.

Can open-banking.io read my Sparekassen Danmark transactions?

No. Data is decrypted only on your device with a key that never leaves it.

Up to 180 days, after which you re-approve access from the dashboard.

Start connecting at open-banking.io.