Morrow Bank API Access for Finland | Open Banking

Morrow Bank serves Finnish customers with straightforward personal savings and lending products, and open-banking.io lets your software read that data programmatically. Instead of stitching together bank exports or scraping statements, you connect once and keep a live picture of your customers' Morrow Bank accounts. Our single REST API abstracts Finland's PSD2 endpoints, so you spend your time building features rather than wrestling with each institution's quirks.

How to connect Morrow Bank

  1. Create an open-banking.io account and grab your API key.
  2. Call the connect endpoint and select Morrow Bank (Finland) as the target institution.
  3. Redirect the account holder to Morrow Bank to authenticate and approve access.
  4. Receive the consent token and pull account data through a consistent JSON response.

The flow works the same whether you support one bank or all of them, which keeps your integration lean as you expand across Europe.

What data you can access

  • Accounts — identifiers and metadata for the customer's personal Morrow Bank accounts.
  • Balances — current and available amounts, refreshed on demand.
  • Transactions — historical and recent entries with amounts, dates, and descriptions.

Morrow Bank in Finland exposes personal account types under PSD2. A single customer consent lasts up to 180 days before re-authentication is required, giving you a long window of uninterrupted syncing. Note that a BIC is not available for this institution, so route requests by our internal institution reference rather than by SWIFT code.

Privacy by design

open-banking.io is zero-knowledge: we pass your requests to Morrow Bank without warehousing the financial data that flows through. There are no eIDAS certificates to buy, register, or rotate — our platform handles the regulatory plumbing, so you can go live in Finland without a compliance project attached.

Pricing

Access starts at roughly EUR 3 per month, covering Morrow Bank alongside 2,600+ banks across the EU and UK. One subscription, one API, the whole continent.

FAQ

Do I need a banking licence or certificates to use this?

No. open-banking.io is certificate-free and handles the licensed access layer, so you integrate with a standard API key.

How long does a Morrow Bank connection stay active?

Each consent is valid for up to 180 days, after which the customer simply re-authenticates to renew access.

Which account types are supported in Finland?

Morrow Bank exposes personal accounts, including their balances and transaction history.

Ready to start syncing Morrow Bank data? Explore the docs and sign up at open-banking.io.