OP Corporate Gold Card API Access & Open Banking Data

The OP Corporate Gold Card gives Finnish businesses a travel-and-expense card backed by OP Financial Group. If you want to pull the card's balances and transactions into your own tools, open-banking.io turns that PSD2 access into a clean, private data feed. It covers 2,600+ EU and UK banks, needs no eIDAS certificate and no licence of your own, and decrypts everything locally with a key that never leaves your device.

OP Corporate Gold Card access is scoped to business accounts. There is no published BIC for the programme, and each authorisation you grant lasts up to 180 days before OP asks you to renew it.

How to connect OP Corporate Gold Card

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

  1. Sign up for an open-banking.io account.
  2. Set your encryption passphrase. Your key pair is generated right there on your device, so only you can later unlock the data.
  3. In the dashboard, choose OP Corporate Gold Card and select the business account type.
  4. You are redirected to OP's own secure login, where you approve access on OP's PSD2 consent screen.
  5. Consent granted, your accounts and transactions sync back into the dashboard automatically.

Because the approval takes place on OP's side, open-banking.io never sees your banking credentials.

Access your data

Once the card is connected, reading it programmatically is an optional developer step. On the Developers page, create an API key and export a credentials.json — it bundles that 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The key alone gets you only ciphertext, which is exactly what zero-knowledge means: open-banking.io stores your public key and nothing that can unlock your data.

All of this runs for roughly EUR 3/month, certificate-free.

Is a BIC required to connect?

No. The OP Corporate Gold Card has no published BIC, and open-banking.io identifies it for you in the dashboard.

Can I connect personal accounts too?

This programme exposes business accounts. You select the business account type during the dashboard connect flow.

How often do I re-authorise?

PSD2 consent for OP lasts up to 180 days. After that you simply reconnect through the dashboard to keep syncing.

Ready to start? Visit open-banking.io.