Sparekassen Thy Open Banking & API Access | open-banking.io

Sparekassen Thy is a Danish savings bank serving the Thy region, and open-banking.io lets you reach its account data without certificates, eIDAS setup, or a PSD2 licence of your own. You link your Sparekassen Thy accounts once in a browser dashboard, and from then on your balances and transactions sync automatically. Both business and personal accounts are supported, and a single approval covers you for up to 180 days before you renew.

Because open-banking.io is zero-knowledge, your data is encrypted with keys generated on your own device. The service only ever holds your public key, so it can store your synced data but never read it — decryption always happens locally, under a passphrase only you know.

How to connect Sparekassen Thy

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 open the dashboard.
  2. Set your encryption passphrase. Your key pair is generated on your device; the passphrase never leaves it.
  3. Pick Sparekassen Thy from the bank list and choose the account type you want to link (business or personal).
  4. Approve on Sparekassen Thy's own screen. You are redirected to the bank's secure login to grant PSD2 consent — your credentials go only to the bank, never to open-banking.io.
  5. Your accounts sync back into the dashboard, ready to view and, optionally, read programmatically.

Access your data

Once Sparekassen Thy is connected, developers can read the data programmatically — this is an optional step, not part of connecting. On the Developers page, create an API key and export a credentials.json, which bundles the API key together with your private decryption key. Then 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. An API key alone only ever returns ciphertext — without your private key the data stays unreadable, which is what keeps the model zero-knowledge.

All of this runs on a flat subscription of roughly EUR 3/month, covering Sparekassen Thy alongside 2,600+ other EU and UK banks.

Does Sparekassen Thy have a BIC on open-banking.io?

No BIC is listed for Sparekassen Thy here; you simply select the bank by name in the dashboard.

How long does access last?

Each consent is valid for up to 180 days. When it expires, re-approve on Sparekassen Thy's own login screen to keep syncing.

Can open-banking.io read my Sparekassen Thy data?

No. It holds only your public key, so stored data is encrypted end to end and can be decrypted only on your device with your passphrase.

Ready to start? Visit open-banking.io.