Coop Pank API Access & Estonian Open Banking

Reaching your Coop Pank accounts no longer requires a bank-issued eIDAS certificate or a signed PSD2 licence. open-banking.io gives individuals and companies a single dashboard to link Coop Pank (BIC EKRDEE22), watch balances and transactions sync in, and — if you write software — pull the same data over an API. Both business and personal account types are supported, and each authorisation stays valid for up to 180 days before Coop Pank asks you to renew it.

Everything is built around a zero-knowledge design: your encryption keys are generated on your own device, so open-banking.io stores only your public key and can never read your statements.

How to connect Coop Pank

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key at this stage:

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your private decryption key is created locally on your device from this passphrase and never leaves it.
  3. In the dashboard, search for Coop Pank and choose whether you are linking a business or personal account.
  4. You are redirected to Coop Pank's own secure login, where you approve the PSD2 consent directly with the bank.
  5. Once approved, your Coop Pank accounts appear in your dashboard and begin syncing automatically.

You never share your Coop Pank credentials with open-banking.io — authentication takes place on the bank's site.

Access your data

After 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. Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. An API key on its own returns only ciphertext, so the servers stay blind to your data. The CLI and SDK read and sync existing connections; they never create one.

All of this runs for roughly EUR 3/month.

Do I need an eIDAS certificate for Coop Pank?

No. open-banking.io is certificate-free — you approve access on Coop Pank's own consent screen and nothing more.

Can open-banking.io see my Coop Pank transactions?

No. Data is decrypted on your device with a key only you hold; the service keeps just your public key.

How often do I re-authorise?

Coop Pank consent lasts up to 180 days, after which you re-approve access from the dashboard.

Start linking Coop Pank at open-banking.io.