Handelsbanken API Access & Open Banking Data | SE

Handelsbanken is one of Sweden's largest banks, and open-banking.io gives you a simple, private route to your Handelsbanken account and transaction data — no eIDAS certificate, no PSD2 licence, and no bank-specific integration work. Whether you hold a personal or business relationship with Handelsbanken (BIC HANDSESS), you can bring balances, transactions and account details together in one place and, if you want, read them programmatically later.

Everything is built around a zero-knowledge design. Your encryption keys are generated on your own device from a passphrase only you know, so account data is decrypted locally and open-banking.io's servers only ever hold your public key. They cannot read your Handelsbanken data — and neither can anyone who breaches them.

How to connect Handelsbanken

Connecting happens entirely in 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 private key is derived on your device and never leaves it.
  2. In the dashboard, pick Handelsbanken and choose the account type you need — business or personal.
  3. You're redirected to Handelsbanken's own secure login, where you approve access under PSD2 consent. Your credentials go only to the bank.
  4. Your accounts sync back into the dashboard. Handelsbanken consent lasts up to 180 days, after which you simply re-approve to keep the connection live.

Access your data

Reading data programmatically is an optional developer step that comes after connecting. From the Developers page, create an API key and export a credentials.json — this bundles the API key with your private decryption key. Then 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 an API key alone returns only ciphertext — which is exactly the point.

All of this runs for around EUR 3/month, with no certificate costs or per-bank fees.

Do I need an API key to connect Handelsbanken?

No. Connecting is done in the dashboard by approving access on Handelsbanken's login screen. API keys are only for optionally reading data afterwards.

Can open-banking.io see my Handelsbanken transactions?

No. The service is zero-knowledge and holds only your public key. Decryption happens on your device with a key only you control.

How long does access last?

Handelsbanken consent is valid for up to 180 days. When it expires, re-approve in the dashboard to continue syncing.

Ready to start? Visit open-banking.io.