S-Pankki API Access — Sync Finnish Accounts

Bring your S-Pankki data into any app or workflow without wrestling with bank-specific integrations. open-banking.io gives you a single, standardised endpoint to sync balances and transaction history from S-Pankki in Finland, so you can reconcile books, power a budgeting tool, or feed a lending model straight from the source.

S-Pankki operates under BIC SBANFIHH and supports both personal and business accounts, and our API treats both the same way — one flow, one response shape.

How to connect S-Pankki

1. Sign up for an open-banking.io account and grab your API key.
2. Call our endpoint with the S-Pankki institution identifier to start an authorisation.
3. Redirect your customer to S-Pankki to approve read access with their own credentials.
4. Receive the consent token and begin pulling account data immediately.

No eIDAS certificates, no per-bank onboarding paperwork, no sandbox maze — the same request works across every institution we cover.

What data you can access

• Accounts — identifiers, IBANs, currency and account metadata for personal and business holdings.
• Balances — current and available amounts, refreshed on demand.
• Transactions — dated, categorisable entries with counterparty details and references.

Consent and coverage

S-Pankki authorisations can run for up to 180 days before the account holder needs to reauthorise, giving you long-lived read access without constant re-prompts. S-Pankki is one of 2,600+ banks reachable through the same open-banking.io interface across the EU and UK, so adding neighbouring institutions later is just another identifier.

Privacy by design

We are zero-knowledge: credentials go to S-Pankki, never to us, and we never store or see your customers' banking passwords. The connection is certificate-free, removing the compliance burden that usually gatekeeps open banking. You stay in control of the data that flows through.

Pricing

One flat subscription of roughly EUR 3/month covers S-Pankki and every other bank in our network — no setup fees, no per-call surprises.

FAQ

Does S-Pankki support business accounts?

Yes. Both personal and business account types are available through the same S-Pankki connection and return data in an identical format.

How long does a S-Pankki consent last?

Up to 180 days. After that, the account holder simply reauthorises to keep the sync running.

Do I need a banking licence or certificate?

No. open-banking.io is certificate-free and handles the regulated plumbing, so you can connect S-Pankki with just an API key.

Ready to start syncing? Visit open-banking.io to create your key and connect S-Pankki today.