Luster Sparebank API Access & Open Banking Data

Pulling account and transaction data from Luster Sparebank no longer means wrestling with PSD2 certificates or per-bank onboarding. open-banking.io links your Luster Sparebank accounts through one dashboard, then keeps every byte encrypted with a key that never leaves your device. It supports both business and personal accounts, so a single workflow covers company ledgers and private balances alike — across 2,600+ EU and UK banks.

Because the platform is zero-knowledge, its servers only ever hold your public key. Your data is decrypted locally, so no one at open-banking.io can read your Luster Sparebank statements — not staff, not infrastructure, no one but you.

How to connect Luster Sparebank

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated right there on your own device.
  2. In the dashboard, choose Luster Sparebank and pick the account type you need — business or personal.
  3. You are redirected to Luster Sparebank's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into the dashboard automatically.

That consent lasts up to 180 days, after which you simply re-approve on Luster Sparebank's screen. Luster Sparebank has no assigned BIC in our directory, but none is required — you select the bank by name.

Access your data

Reading data programmatically is an optional developer step that comes after the connection exists. 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard — there is no connect command.

All of this runs for roughly EUR 3 per month, certificates not included because none are needed.

Do I need a developer account to use Luster Sparebank?

No. Connecting and viewing accounts is done in the dashboard. API keys are only for those who want programmatic reads.

Can open-banking.io see my Luster Sparebank transactions?

No. It is zero-knowledge — it stores only your public key, and decryption happens on your device.

What if my API key is exposed?

An API key alone returns only ciphertext. Without your private decryption key, the data stays unreadable.

Start at open-banking.io.