Swedbank Latvia API Access & Open Banking Data

Latvian households and finance teams rely on Swedbank for everyday banking, yet pulling that account data into your own tools has traditionally meant certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of it. It is a zero-knowledge, certificate-free gateway to 2,600+ EU and UK institutions, so you can reach Swedbank (Latvia) balances and transactions without becoming a licensed provider yourself. Your bank data is decrypted locally with a key only you hold, and open-banking.io only ever stores your public key.

How to connect Swedbank

Connecting happens entirely in 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 key pair is generated on your own device.
  2. In the dashboard, pick Swedbank (Latvia) and choose your account type — both business and personal accounts are supported.
  3. You are redirected to Swedbank's own secure login, where you approve access under PSD2 (BIC HABALV22).
  4. Your accounts sync straight into your dashboard. A single consent lasts up to 180 days before Swedbank asks you to re-approve.

Access your data

Reading the data programmatically is an optional developer step you take after the bank is already connected. Open 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries your key in the X-Api-Key header, and each response is decrypted locally on your machine — open-banking.io servers only ever see ciphertext. There is no connect command; the tooling reads and syncs the connection you already approved.

All of this runs for roughly EUR 3 per month, with no per-call fees and no certificates to renew.

Does open-banking.io ever see my Swedbank data?

No. It is zero-knowledge: your data is encrypted with a key held only on your device, and the servers store just your public key.

Can an API key alone read my transactions?

No. Without your private decryption key an API key returns only ciphertext. That is why credentials.json includes both.

Up to 180 days per approval. After that Swedbank prompts you to re-authorise in the dashboard.

Ready to start? Connect your account at open-banking.io.