SpareBank 1 SMN Open Banking & API Access | open-banking.io
Reaching your SpareBank 1 SMN accounts programmatically usually means wrestling with eIDAS certificates and a raw PSD2 sandbox. open-banking.io removes that layer entirely. It is a certificate-free, zero-knowledge bridge to 2,600+ banks across the EU and UK, where SpareBank 1 SMN data is decrypted locally with an encryption key that never leaves your device. The service holds only your public key, so it can relay your data but can never read it.
Both business and personal SpareBank 1 SMN accounts are supported. A single PSD2 consent stays valid for up to 180 days before SpareBank 1 SMN asks you to re-approve, so a connection keeps syncing for months without babysitting. No BIC is required to set this bank up.
How to connect SpareBank 1 SMN
Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in this step.
- Sign up and set your encryption passphrase. Your key pair is generated right there on your own device.
- In the dashboard, search for and select SpareBank 1 SMN, then choose the account type — business or personal.
- You are redirected to SpareBank 1 SMN's own secure login and consent screen, where you approve access directly with the bank.
- Your approved accounts sync back into your dashboard, ready to view.
That is the whole flow. You never hand credentials to open-banking.io, and the account holder is always the one approving on the bank's side.
Access your data
Once SpareBank 1 SMN is connected, developers can optionally read the data in code. 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries your X-Api-Key header, and each response is decrypted locally with your own key. There is no connect command — the tooling only reads and syncs the connection you already made in the dashboard. An API key alone returns ciphertext; without your private key it stays unreadable.
All of this runs for roughly EUR 3/month.
Do I need an eIDAS certificate?
No. open-banking.io is certificate-free — you approve access on SpareBank 1 SMN's consent screen instead.
Can open-banking.io see my transactions?
No. It is zero-knowledge and stores only your public key; decryption happens on your device.
How often do I re-consent?
SpareBank 1 SMN consent lasts up to 180 days, after which you re-approve to keep syncing.
Start at open-banking.io.