Oma Säästöpankki Open Banking & API Access Guide

Oma Säästöpankki (OmaSp) is one of Finland's largest savings banks, and open-banking.io gives you a certificate-free way to reach its account data across the EU and UK. Instead of registering for a PSD2 licence or juggling QWAC certificates, you connect your Oma Säästöpankki accounts through a single dashboard and keep full control of the keys that decrypt them. OmaSp uses the BIC ITELFIHH, and both business and personal accounts are supported.

Because open-banking.io is zero-knowledge, your data is decrypted locally on your own device with a key that never leaves it. The service holds only your public key — it can never read your balances or transactions. One flat subscription of roughly EUR 3/month covers access to 2,600+ banks, Oma Säästöpankki included.

How to connect Oma Säästöpankki

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 right there on your device.
  2. In the dashboard, choose Oma Säästöpankki and select the account type you need — business or personal.
  3. You are redirected to Oma Säästöpankki's own secure login and consent screen, where you approve access under PSD2. Consent can last up to 180 days before you renew it.
  4. Your accounts sync back into the dashboard, ready to view.

That is the whole flow. You approve everything on OmaSp's own pages, so your credentials are never seen by open-banking.io.

Access your data

Once Oma Säästöpankki is connected, developers can optionally read the data programmatically. 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 authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — which is exactly what keeps the model zero-knowledge.

Do I need an API key to connect Oma Säästöpankki?

No. Connecting is done in the dashboard by approving consent on OmaSp's own login screen. API keys only come into play afterwards, if you want programmatic reads.

Can open-banking.io see my Oma Säästöpankki balances?

No. Data is encrypted to your public key and decrypted only on your device. The servers store nothing they can read.

Oma Säästöpankki consent is valid for up to 180 days, after which you simply re-approve access from the dashboard.

Ready to start? Visit open-banking.io.