DNB Finland API Access & Open Banking Data

Pulling structured data out of a DNB (Finland) business account no longer means chasing certificates, sandbox registrations or bespoke bank integrations. open-banking.io gives you a single, certificate-free path to your DNB accounts — the Finnish branch of DNB Bank ASA (BIC DNBAFIHX) — and keeps the data encrypted with a key that never leaves your device.

The service covers 2,600+ banks across the EU and UK, so once you understand the DNB flow the same steps apply everywhere else you bank. For DNB (Finland), the supported product is business account access, with a PSD2 consent that stays valid for up to 180 days before you renew it.

How to connect DNB

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

1. Sign up at open-banking.io and set your encryption passphrase. Your keys are generated locally, on your own device, at this moment.
2. In the dashboard, choose DNB (Finland) and select the business account type.
3. You are redirected to DNB's own secure login, where you approve access on the bank's consent screen (standard PSD2 authorisation).
4. Once DNB confirms, your accounts sync back into your dashboard automatically.

That's the whole connection. open-banking.io only ever holds your public key, so its servers can never read or decrypt what flows through.

Access your data

Reading DNB data programmatically is an optional step you take after the account is connected. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request authenticates with the X-Api-Key header, and every response is decrypted locally with your private key. An API key on its own only ever returns ciphertext — without your key there is nothing readable to leak.

All of this runs at roughly EUR 3/month, with no certificates and no per-bank onboarding.

FAQ

Do I need a developer account to connect DNB?

No. Connecting is a dashboard task — sign up, set your passphrase, pick DNB and approve on the bank's screen. API keys are only for reading data later.

What account types does DNB (Finland) support here?

Business accounts, authorised under a PSD2 consent valid for up to 180 days.

Can open-banking.io read my DNB transactions?

No. It's zero-knowledge — it stores only your public key, and decryption happens on your device with a private key only you hold.

Ready to start? Head to open-banking.io.