Swedbank Estonia API Access & Open Banking Data

Swedbank is one of Estonia's largest retail banks, and open-banking.io lets you reach its account and transaction data without registering as a licensed PSD2 provider or maintaining eIDAS certificates. You keep the paperwork at zero: sign up, connect Swedbank once, and your balances and payment history stream into a single dashboard. Both business and personal Swedbank accounts (BIC HABAEE2X) are supported, and each consent stays valid for up to 180 days before Swedbank asks you to re-approve.

Because open-banking.io is zero-knowledge, your data is encrypted with a key generated on your own device. The servers only ever hold your public key, so nobody at open-banking.io — or anywhere else — can read your Swedbank records in the clear.

How to connect Swedbank

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

  1. Create an open-banking.io account and set your encryption passphrase. Your private and public keys are generated locally, right in your browser.
  2. In the dashboard, search for Swedbank (Estonia) and choose the account type you want to link — business or personal.
  3. You are redirected to Swedbank's own secure login, where you authenticate and approve access under PSD2. Your credentials are entered only on Swedbank's site, never on ours.
  4. Once you confirm, control returns to the dashboard and your Swedbank accounts sync automatically. The consent remains active for up to 180 days.

Access your data

After Swedbank is connected, developers can optionally read the data programmatically. Open the Developers page, create an API key, and export a credentials.json — it 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 only ever returns ciphertext, so your data stays yours.

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

FAQ

Do I need an eIDAS certificate to access Swedbank?

No. open-banking.io is certificate-free — you connect through the dashboard and approve consent on Swedbank's own screen.

Can open-banking.io see my Swedbank transactions?

No. The service is zero-knowledge and stores only your public key; decryption happens on your device with a key only you hold.

How long does a Swedbank connection last?

Up to 180 days per consent. When it expires, simply re-approve Swedbank in the dashboard.

Start at open-banking.io.