Säästöpankki Open Banking & API Access (Finland)

Säästöpankki is one of Finland's oldest savings-bank networks, serving households and businesses across the country. If you want to pull your Säästöpankki balances and transactions into your own tools — or simply keep a private copy of your financial data — open-banking.io gives you PSD2 access without certificates, sandbox paperwork, or a bank developer contract. It reaches 2,600+ EU and UK banks, including Säästöpankki (BIC ITELFIHH), for both business and personal accounts.

What sets it apart is the privacy model. open-banking.io is zero-knowledge: your encryption keys are generated on your own device from a passphrase only you know. The servers hold only your public key, so no one — not even open-banking.io — can read or decrypt your Säästöpankki data. Everything is decrypted locally, on your machine.

How to connect Säästöpankki

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

  1. Sign up at open-banking.io and set your encryption passphrase. Your private key is created locally at this moment and never leaves your device.
  2. In the dashboard, pick Säästöpankki and choose the account type you need (business or personal).
  3. You're redirected to Säästöpankki's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into your dashboard, encrypted with your key.

Consent lasts up to 180 days, after which you simply re-approve through Säästöpankki again.

Access your data

Reading your data programmatically is an optional step for developers, available only after you've connected Säästöpankki in the dashboard. On the Developers page, create an API key and export a credentials.json — this bundles the API key and your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext.

Pricing is roughly EUR 3/month for the whole service.

FAQ

Can I connect Säästöpankki with an API key?

No. Connecting is done in the dashboard by approving access on Säästöpankki's login screen. API keys only read data from connections that already exist.

Which account types are supported?

Both business and personal Säästöpankki accounts (BIC ITELFIHH) are supported.

Can open-banking.io see my transactions?

No. It's zero-knowledge — your data is decrypted only on your device with a key that never leaves it.

Ready to start? Visit open-banking.io.