SEB Estonia: Open Banking & API Access Explained

SEB Pank is one of Estonia's largest banks (BIC EEUHEE2X), serving both personal and business customers. With open-banking.io you can reach your SEB account information without wrestling with eIDAS certificates, sandbox registrations or a PSD2 developer programme. It is a single EU/UK service spanning 2,600+ banks, and every byte of your data is decrypted on your own device with a key that never leaves it.

That zero-knowledge design is the point. open-banking.io stores only your public key, so its servers can never read or decrypt what flows through them. You approve access directly on SEB's own login, and the resulting data lands in your dashboard as ciphertext that only your passphrase can unlock.

How to connect SEB

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code or key involved in this step:

  1. Sign up at open-banking.io and set an encryption passphrase. Your keys are generated locally on your device.
  2. In the dashboard, pick SEB (Estonia) and choose the account type you need — business or personal.
  3. You are redirected to SEB's own secure login, where you authenticate and grant PSD2 consent (valid for up to 180 days before you renew it).
  4. SEB confirms the approval and your accounts sync back into your dashboard automatically.

That's the whole flow. No developer redirect, no uploaded certificate, no manual endpoint wiring.

Access your data

Once SEB is connected, reading the data programmatically is an optional developer step. 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.
  • Or call the REST API / SDK directly, sending your key in the X-Api-Key header.

Every response is decrypted locally with your private key. An API key on its own returns only ciphertext — without your key, nobody, including open-banking.io, can read it. The CLI and SDK only read and sync existing connections; they never create one.

All of this runs on the flat ~EUR 3/month plan, with no per-call fees.

FAQ

Do I need an eIDAS certificate to access SEB?

No. open-banking.io is certificate-free. You approve access on SEB's login screen and skip the entire PSD2 certificate process.

Can open-banking.io see my SEB transactions?

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

Up to 180 days per approval. After that you simply re-confirm on SEB's login to keep syncing.

Ready to start? Connect your account at open-banking.io.