Høland og Setskog Sparebank API & Open Banking Access

Reaching your Høland og Setskog Sparebank account data no longer means wrestling with eIDAS certificates or a bespoke PSD2 gateway. open-banking.io gives you a single, privacy-first path to your balances and transactions across 2,600+ EU and UK banks — and everything you retrieve is decrypted on your own device with a key that never leaves it.

Høland og Setskog Sparebank supports both business and personal account types, and a single consent stays valid for up to 180 days before you renew it. The bank has no published BIC in our directory, so you simply select it by name — no routing codes to look up.

How to connect Høland og Setskog Sparebank

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated locally on your device; only your public key ever reaches our servers.
  2. In the dashboard, pick Høland og Setskog Sparebank and choose whether you're linking a business or personal account.
  3. You're redirected to Høland og Setskog Sparebank's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into the dashboard, ready to view.

That's it — the bank authenticates you directly, and open-banking.io never sees your credentials.

Access your data

Once a connection exists, developers can optionally read it programmatically. Open the Developers page, create an API key, and export a credentials.json — this 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. Requests carry the X-Api-Key header, and every response is decrypted locally with your own key. An API key alone only ever returns ciphertext, because our servers are zero-knowledge and cannot decrypt anything.

All of this runs for roughly EUR 3/month, with no certificate paperwork.

Does open-banking.io store my banking password?

No. You authenticate on Høland og Setskog Sparebank's own login page; we never receive or store your credentials.

Can open-banking.io read my transactions?

No. Data is encrypted to your key and decrypted only on your device. We hold just your public key.

How long does a connection last?

Up to 180 days per consent, after which you re-approve access through the bank.

Ready to start? Visit open-banking.io.