DiPocket API Access & Open Banking (Iceland)

Reaching your DiPocket account data no longer means wrestling with bank certificates or building your own PSD2 stack. open-banking.io gives you a single, zero-knowledge gateway to DiPocket in Iceland (BIC DIUALT22), covering both business and personal accounts, with consent that stays valid for up to 180 days before you refresh it.

Everything is designed around one principle: only you can read your data. Your encryption keys are generated on your own device, so open-banking.io stores just your public key and never sees a decrypted balance or transaction.

How to connect DiPocket

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 open-banking.io and set your encryption passphrase. This generates your personal key pair locally.
  2. Open the dashboard, search for DiPocket, and choose whether you're linking a business or personal account.
  3. You're redirected to DiPocket's own secure login, where you approve access under PSD2 — your credentials go only to DiPocket, never to us.
  4. Once approved, your DiPocket accounts and transactions sync straight into your dashboard.

That's the whole flow. No developer redirect, no manual token exchange, no certificate to install.

Access your data

Once DiPocket 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 your API key together with your private decryption key. From there you can:

  • Use the CLI: openbanking accounts, openbanking transactions, openbanking sync.
  • Call the REST API or an SDK, sending your key in the X-Api-Key header.

Every response arrives encrypted and is decrypted locally with your private key. An API key on its own returns only ciphertext — without your key, nobody, including our servers, can turn it into readable data. Note the CLI and SDK only read and sync connections you've already made; there is no connect command.

All of this runs for roughly EUR 3/month, certificate-free and zero-knowledge.

FAQ

Can I connect DiPocket without writing any code?

Yes. Linking is done in the dashboard by approving access on DiPocket's own login screen. Code is only needed later if you want programmatic reads.

Does open-banking.io ever see my DiPocket balances?

No. It holds only your public key. Your data is decrypted on your device with a private key that never leaves it.

Up to 180 days, for both business and personal accounts, after which you re-approve to keep syncing.

Ready to start? Visit open-banking.io.