Handelsbanken Netherlands API & Open Banking Access

Reaching your Handelsbanken data in the Netherlands no longer means chasing eIDAS certificates or building a bespoke PSD2 stack. open-banking.io gives you a certificate-free path to Handelsbanken (BIC HANDNL2A), covering both business and personal accounts, with a single subscription and no bank-side onboarding paperwork.

The service is zero-knowledge by design. When you sign up you set an encryption passphrase, and the key pair is generated on your own device. open-banking.io only ever holds your public key, so account balances and transactions are decrypted locally, on hardware you control — never on our servers.

How to connect Handelsbanken

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

  1. Create an open-banking.io account and set your encryption passphrase (your keys are generated locally).
  2. In the dashboard, search for Handelsbanken and choose the account type you need: business or personal.
  3. You are redirected to Handelsbanken's own secure login, where you approve access under PSD2.
  4. Your accounts sync back into the dashboard automatically.

The consent you grant on Handelsbanken's screen lasts up to 180 days, after which you simply re-approve from the same dashboard flow. Handelsbanken authenticates you directly — open-banking.io never sees your credentials.

Access your data

Once the connection is live, 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. That means an API key on its own only ever returns ciphertext — without your private key, nothing is readable, not even by us.

All of this runs on a flat subscription of roughly EUR 3/month, spanning 2,600+ banks across the EU and UK.

Is a QWAC or eIDAS certificate required?

No. open-banking.io is certificate-free — you connect Handelsbanken through the dashboard without any PSD2 certificate of your own.

Can open-banking.io read my Handelsbanken transactions?

No. The platform is zero-knowledge and stores only your public key. Decryption happens on your device with a key only you hold.

Up to 180 days per approval. When it expires, re-authorise from the dashboard in the same way you first connected.

Ready to start? Connect Handelsbanken at open-banking.io.