Cultura API Access & Open Banking Integration Guide

Cultura is Norway's values-driven ethical bank, and open-banking.io lets you reach its account and transaction data without wrestling with eIDAS certificates or PSD2 sandbox paperwork. You approve access once through Cultura's own login, and from that point your balances and transactions flow into a dashboard that only you can decrypt. Whether you want a quick personal overview or a programmatic feed for your own tooling, the path is the same simple, privacy-first setup.

How to connect Cultura

Connecting happens entirely inside the open-banking.io dashboard — there is no code, endpoint, or key involved at this stage:

  1. Sign up for open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally on your device, so nobody else — not even open-banking.io — ever holds your private key.
  2. In the dashboard, choose Cultura and select the account type you need. Both business and personal accounts are supported.
  3. You are redirected to Cultura's own secure login, where you approve access (the standard PSD2 consent step). Cultura has no published BIC in our directory, but selecting it by name in the dashboard is all you need.
  4. Your accounts sync back into your dashboard. Consent lasts up to 180 days, after which you simply re-approve on Cultura's screen.

Access your data

Once Cultura is connected, developers can optionally read the data programmatically. 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 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, the API key alone returns only ciphertext — which is exactly what makes the service zero-knowledge.

FAQ

Do I need an eIDAS certificate to access Cultura?

No. open-banking.io is certificate-free. You authorise access directly on Cultura's login screen and skip the regulatory certificate overhead entirely.

Can open-banking.io read my Cultura transactions?

No. The servers only ever hold your public key. All decryption happens on your device, so your financial data stays private to you.

How much does it cost?

Around EUR 3 per month for access to Cultura and 2,600+ other EU/UK banks — no per-connection or per-call fees.

Ready to begin? Visit https://open-banking.io to connect Cultura today.