Morrow Bank API Access & Open Banking (Finland)

Reaching your Morrow Bank data no longer means wrestling with bank APIs, TPP certificates, or eIDAS paperwork. open-banking.io is a zero-knowledge, certificate-free bridge to Morrow Bank in Finland and 2,600+ other EU and UK banks. You approve access once, your accounts sync into a private dashboard, and every figure is decrypted on your own device with a key only you hold. Morrow Bank has no public BIC, so identification is handled inside the bank's own login rather than by routing codes.

How to connect Morrow Bank

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

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your keys are generated locally on your device, so nobody else — including open-banking.io — can read what comes back.
  3. In the dashboard, pick Morrow Bank and choose the personal account type it supports.
  4. You are redirected to Morrow Bank's own secure login, where you approve access under PSD2 consent. This consent lasts up to 180 days before you renew it.
  5. Your Morrow Bank accounts sync straight into your dashboard, ready to view.

Access your data

Programmatic access is an optional step after your Morrow Bank connection is live. 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made — they never establish one. Without your private key, an API key alone returns nothing but ciphertext, which is exactly the point: open-banking.io servers store only your public key and can never see your balances.

All of this runs for around EUR 3 per month, with no certificate to buy and no bank contract to negotiate.

FAQ

Does Morrow Bank have a BIC I need to enter?

No. Morrow Bank has no public BIC on file, and you never need one — the bank identifies you through its own secure login during the consent step.

Which Morrow Bank accounts can I connect?

Morrow Bank exposes personal accounts, so you can sync your personal balances and transactions once consent is granted.

How long does my access last?

Your PSD2 consent stays valid for up to 180 days. When it expires, simply reapprove access in the dashboard to keep your data flowing.

Ready to start? Visit open-banking.io.