POP Pankki API Access — Open Banking for Finland

Reaching your POP Pankki accounts programmatically used to mean wrestling with PSD2 certificates, sandbox registrations and eIDAS paperwork. open-banking.io removes all of that. It links to POP Pankki (BIC POPFFI22) as one of 2,600+ EU and UK institutions, decrypts everything locally with a key only you hold, and costs about EUR 3/month. Whether you run a household budget or reconcile company ledgers, both personal and business POP Pankki accounts are supported.

How to connect POP Pankki

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated right there on your own device, so nobody else can read your data.
  2. In the dashboard, choose POP Pankki and select the account type you need — personal or business.
  3. You are redirected to POP Pankki's own secure login, where you approve access under PSD2. Your consent stays valid for up to 180 days before a simple re-approval is needed.
  4. Once approved, your POP Pankki accounts and transactions sync into the dashboard automatically.

That is the whole flow: authorise once on the bank's screen, and your data appears in your dashboard.

Access your data

Want to pull POP Pankki data into your own tools? After a connection exists, open the Developers page, create an API key and export a credentials.json. That file bundles your API key together with your private decryption key.

With it, use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally using your own key. The API key alone only ever returns ciphertext — without your private key, the data stays unreadable. The CLI and SDK only read and sync connections you already made in the dashboard.

Because open-banking.io is zero-knowledge, its servers hold nothing but your public key. They can neither read nor decrypt your POP Pankki statements.

FAQ

Do I need an eIDAS certificate for POP Pankki?

No. open-banking.io is certificate-free — you authorise access on POP Pankki's own consent screen, and no PSD2 certificate is required from you.

Can open-banking.io see my POP Pankki balance?

No. Data is decrypted on your device with a key only you hold. The service stores just your public key and can never read your accounts.

How long does POP Pankki access last?

Up to 180 days per consent. After that, a quick re-approval on the bank's login screen restores the sync.

Start at open-banking.io.