POP Pankki API Access for Open Banking in Finland

Pulling live data out of POP Pankki (BIC POPFFI22) no longer means wrestling with per-bank certificates or bespoke PSD2 gateways. open-banking.io gives you one authenticated endpoint that speaks to POP Pankki alongside 2,600+ other banks across the EU and UK, so your app reads Finnish account data the same way it reads everything else.

Once a customer approves access, you can keep POP Pankki balances and transaction history in sync automatically — ideal for accounting tools, treasury dashboards, lending checks, and personal-finance apps.

How to connect POP Pankki

  1. Create an open-banking.io account and grab your API key.
  2. Call the institutions endpoint and select POP Pankki (POPFFI22).
  3. Redirect your user to POP Pankki's secure login to authorise consent.
  4. Receive the callback and exchange it for a reusable access token.
  5. Query accounts, balances, and transactions as structured JSON.

What data you can access

  • Accounts — personal and business account details and IBANs held at POP Pankki.
  • Balances — current and available amounts, refreshed on demand.
  • Transactions — booked and pending entries with counterparties, amounts, and dates.

POP Pankki supports both personal and business account types. A single customer consent stays valid for up to 180 days before it needs renewal, so long-lived integrations aren't re-authorising every week. When consent nears expiry, simply prompt the user through the same flow again.

Privacy by design

our architecture is zero-knowledge: we never store your users' banking credentials, and account data passes through without being retained on our side. There are no eIDAS or QWAC certificates to buy, host, or rotate — the certificate-free model removes the biggest onboarding hurdle in EU open banking.

Pricing

Flat and predictable at around EUR 3/month, with POP Pankki and every other supported bank included. No per-connection surcharges, no enterprise minimums.

FAQ

Do I need a PSD2 licence to use this?

No. open-banking.io operates as the regulated access layer, so you connect to POP Pankki without holding your own licence or certificates.

How current is POP Pankki transaction data?

Balances and transactions are fetched live from POP Pankki at request time, reflecting what the bank exposes through its PSD2 interface.

Can I connect business accounts?

Yes. Both personal and business POP Pankki accounts are supported under the same consent flow.

Ready to build? Start at open-banking.io.