Ålandsbanken Open Banking & API Access in the EU

Ålandsbanken is a Finnish bank rooted in the Åland Islands (BIC AABAFI22), and open-banking.io gives you a clean, private way to reach your personal account data without touching PSD2 certificates or eIDAS paperwork. open-banking.io speaks to 2,600+ EU and UK banks, but the part that matters most is the trust model: your bank data is encrypted so that only you can read it. The service holds your public key; the private key that unlocks anything lives on your own device. That is what "zero-knowledge" means here — open-banking.io's servers can relay ciphertext, but they cannot decrypt a single transaction.

How to connect Ålandsbanken

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated locally, on your device, at this moment.
  2. In the dashboard, pick Ålandsbanken from the bank list and choose the personal account type it supports.
  3. You are redirected to Ålandsbanken's own secure login, where you approve access under PSD2. open-banking.io never sees your credentials — you authenticate directly with the bank.
  4. Once you approve, your accounts sync back into your dashboard. The consent you grant lasts up to 180 days, after which you simply re-approve on Ålandsbanken's screen to keep the data flowing.

Access your data

Reading Ålandsbanken data programmatically is an optional step that comes after the connection exists. 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. Requests carry the X-Api-Key header, and every response is decrypted locally with your key. Note the split: the API key alone returns only ciphertext; without your private key, there is nothing readable. There is no connect command — the CLI and SDK read and sync existing connections, they never create one.

At roughly EUR 3/month, you get certificate-free access with genuine local-only decryption.

Does open-banking.io store my Ålandsbanken credentials?

No. You log in on Ålandsbanken's own consent screen; open-banking.io only holds your public key and encrypted data.

Which Ålandsbanken accounts are supported?

Personal accounts, identified by BIC AABAFI22.

How long does access last?

Up to 180 days per consent, then you re-approve on Ålandsbanken's screen.

Start at https://open-banking.io.