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

OP Financial Group is one of Finland's largest banking cooperatives, and its business and personal customers can reach their account and transaction data through open-banking.io without touching a bank certificate or writing a single line of PSD2 plumbing. open-banking.io is a zero-knowledge service covering 2,600+ banks across the EU and UK: your OP data is encrypted before it ever reaches our servers and can only be decrypted on your own device, with a key that never leaves your hands.

Because the platform is certificate-free, there is no eIDAS QWAC to buy, no sandbox to register for, and no compliance paperwork to file. You approve access directly with OP, and your accounts flow into a dashboard you control.

How to connect OP

Connecting OP 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; we only ever hold your public key.
  2. In the dashboard, pick OP (BIC OKOYFIHH) and choose the account type you need — business or personal.
  3. You are redirected to OP's own secure login, where you approve the PSD2 consent directly with the bank. Your credentials are entered only on OP's site, never ours.
  4. Your accounts sync back into your dashboard. The consent lasts up to 180 days, after which you simply re-approve on OP's screen.

Access your data

Reading OP data programmatically is an optional step you take 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. Every request carries your key in the X-Api-Key header, and every response is decrypted locally with your private key. An API key on its own only ever returns ciphertext — without your key, nobody, including us, can read a thing.

Do I need a bank certificate for OP?

No. open-banking.io is certificate-free; you approve access on OP's own consent screen.

Can open-banking.io read my OP transactions?

No. The service is zero-knowledge and stores only your public key. Decryption happens on your device.

How much does it cost?

Around EUR 3 per month for access across all 2,600+ supported banks, OP included.

Ready to start? Head to open-banking.io and connect OP in minutes.