Bank Norwegian (Spain) API Access & Open Banking

Bank Norwegian is a Scandinavian consumer bank offering savings accounts, personal loans and credit cards to customers across Spain. If you hold a personal account there, open-banking.io lets you reach your live balances and transaction history through a single secure connection — no eIDAS certificate to buy, no PSD2 licence to apply for, and no bank-specific paperwork. The service already reaches 2,600+ banks across the EU and UK, and Bank Norwegian's Spanish arm is one of them.

What makes it different is the trust model. open-banking.io is zero-knowledge: your encryption keys are generated on your own device, and every piece of account data is decrypted locally with a key that only you hold. The servers store nothing but your public key, so they can never read your Bank Norwegian statements — even in principle.

How to connect Bank Norwegian

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your private keys are created locally, in your browser.
  2. In the dashboard, search for Bank Norwegian (Spain) and choose the personal account type.
  3. You are redirected to Bank Norwegian's own secure login, where you approve access under PSD2. open-banking.io never sees your banking credentials.
  4. Your accounts sync back into the dashboard, ready to view.

Consent lasts up to 180 days, after which you simply re-approve on Bank Norwegian's screen. Bank Norwegian (Spain) has no published BIC, so none is required to connect.

Access your data

Once the connection is live, developers can optionally read it programmatically. On the Developers page, create an API key and export a credentials.json — this bundles the API key with your private decryption key. From there 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. Without that private key an API key alone returns only ciphertext — the CLI and SDK read existing connections, they never create them.

All of this runs for around EUR 3 per month.

Does Bank Norwegian offer business accounts here?

No — the Spanish operation is personal-account only, and that is the account type you select in the dashboard.

Do I need a certificate or developer licence?

No. open-banking.io is certificate-free; you approve access directly on Bank Norwegian's own consent screen.

Can open-banking.io read my transactions?

No. It is zero-knowledge and holds only your public key, so your data is decrypted solely on your device.

Ready to begin? Visit https://open-banking.io and connect your Bank Norwegian account in minutes.