Facit Bank API Access & Open Banking Integration

Pulling live data out of Facit Bank usually means wrestling with eIDAS certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of that. It is a certificate-free bridge to 2,600+ EU and UK banks, and Facit Bank is one of them — covering both business and personal accounts. You approve access once, and your accounts start flowing into a dashboard that only you can decrypt.

Everything is zero-knowledge. When you sign up you set an encryption passphrase and your key pair is generated on your own device. open-banking.io stores only your public key, so it can carry ciphertext but can never read a single balance or transaction. Facit Bank has no published BIC in our directory, but it isn't needed — you select the bank by name, not by code.

How to connect Facit Bank

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

  1. Create your open-banking.io account and set your encryption passphrase (your keys never leave your machine).
  2. In the dashboard, search for Facit Bank and choose the account type you want to link — business or personal.
  3. You are redirected to Facit Bank's own secure login, where you authenticate and approve the PSD2 consent directly with the bank.
  4. Control returns to your dashboard and your selected accounts sync automatically.

That consent stays valid for up to 180 days, the maximum the bank allows, before Facit Bank asks you to re-approve.

Access your data

Programmatic access is an optional step after the connection exists. Open the Developers page, generate an API key and export a credentials.json — this file bundles the API key with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext, which is exactly what makes the model safe.

All of this runs for roughly EUR 3/month, flat.

Do I need a developer account to connect Facit Bank?

No. Linking Facit Bank is a point-and-click dashboard action. API keys only matter if you later want machine access.

Can open-banking.io see my Facit Bank transactions?

No. It holds only your public key, so your data stays encrypted end to end and is unreadable server-side.

How long does access last?

Up to 180 days per consent, after which you re-approve on Facit Bank's login screen.

Start at open-banking.io.