S-Pankki API Access & Open Banking Integration

Reaching your S-Pankki accounts programmatically usually means chasing PSD2 certificates and hosting your own OAuth plumbing. open-banking.io removes that entire layer. As a zero-knowledge, certificate-free gateway spanning 2,600+ banks across the EU and UK, it lets you link S-Pankki once and then read balances and transactions on your own terms. Every response is decrypted locally with a key that never leaves your device, so the S-Pankki data you pull stays readable only to you.

How to connect S-Pankki

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 an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated right there on your device; open-banking.io only ever stores your public key.
  3. In the dashboard, search for S-Pankki (BIC SBANFIHH) and choose the account type you hold — personal or business.
  4. You are redirected to S-Pankki's own secure login, where you approve access under PSD2 consent. Consent lasts up to 180 days, after which you simply re-approve.
  5. Your S-Pankki accounts sync straight into the dashboard.

Because you authenticate on S-Pankki's own screen, open-banking.io never sees your banking credentials.

Access your data

Once S-Pankki is connected, reading it programmatically is an optional developer step. 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:

  • CLI: openbanking accounts, openbanking transactions, openbanking sync
  • SDK in your language of choice, or the REST API directly

Requests authenticate with the X-Api-Key header, and every payload is decrypted locally with your private key. The API key alone only ever returns ciphertext — without your key, nobody (including open-banking.io) can read it. The CLI and SDK read and sync existing connections; they never create one.

All of this runs for roughly EUR 3/month, with no eIDAS certificate and no bank-side developer registration.

FAQ

Do I need a PSD2 certificate for S-Pankki?

No. open-banking.io is certificate-free; you approve access on S-Pankki's login screen and that is all.

Can open-banking.io read my S-Pankki transactions?

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

Does connecting work for business accounts?

Yes. Both personal and business S-Pankki accounts are supported; pick the type when you link the bank.

Start linking S-Pankki at https://open-banking.io.