Holvi API Access & Open Banking Data | open-banking.io

Holvi is the Finnish business banking service built for freelancers, entrepreneurs and small companies (BIC HOLVFIHH). If you want a clean, programmatic view of your Holvi money movements, open-banking.io lets you link the account once and then read from it however suits your stack.

Unlike the usual PSD2 route, there is no certificate to obtain, no sandbox to register for and no eIDAS paperwork. open-banking.io handles the regulated plumbing while your financial data is decrypted locally with a key that never leaves your device. The service reaches 2,600+ EU/UK banks for a flat ~EUR 3/month.

How to connect Holvi

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

1. Sign up and set your encryption passphrase. Your key pair is generated right there on your own device; open-banking.io only ever stores your public key.
2. In the dashboard, choose Holvi and select the business account type (that is what Holvi offers).
3. You are redirected to Holvi's own secure login, where you approve access under PSD2. open-banking.io never sees your Holvi credentials.
4. Your accounts flow back into the dashboard and begin syncing. The consent you grant lasts up to 180 days, after which you simply re-approve on Holvi's screen.

Access your data

Once Holvi is linked, reading it programmatically is an optional developer add-on. 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:

• Run the CLI: openbanking accounts, openbanking transactions, openbanking sync
• Call the REST API or an SDK, sending the X-Api-Key header on each request

Every response arrives encrypted and is decrypted locally with your own key. An API key on its own returns only ciphertext — because open-banking.io is zero-knowledge, the servers cannot read your Holvi data. The CLI and SDK only read and sync connections you already made in the dashboard; they never establish new ones.

Which account types can I link?

Holvi is a business banking service, so open-banking.io links business accounts under BIC HOLVFIHH.

Do I need an eIDAS certificate or TPP licence?

No. open-banking.io is certificate-free — the regulated access is handled for you, so you skip the licensing overhead entirely.

Can open-banking.io see my Holvi transactions?

No. Decryption happens on your device with a key only you hold. The service stores just your public key, so your data stays private end to end.

Ready to start? Link Holvi at open-banking.io.