Handelsbanken API Access (Sweden) — Open Banking

Pulling live data out of Handelsbanken shouldn't mean wrestling with eIDAS certificates or a bespoke bank integration. With open-banking.io you point a single REST API at Handelsbanken (Sweden), the customer approves access in their own banking app, and account data starts flowing straight into your product — reconciliation tools, accounting software, budgeting apps, or lending workflows.

How to connect Handelsbanken

1. Sign up for open-banking.io and grab your API key.
2. Create a connection request targeting Handelsbanken (BIC HANDSESS).
3. Redirect the customer to Handelsbanken's authentication (BankID) to approve access.
4. Receive the callback and fetch accounts, balances and transactions over the unified API.

Because every Swedish bank sits behind the same endpoints, the code you write for Handelsbanken carries over to the other 2,600+ institutions we cover — no per-bank rework.

What data you can access

• Accounts — both business and personal account types, with IBANs and metadata.
• Balances — current and available figures for up-to-the-minute cash positions.
• Transactions — booked and pending entries with amounts, dates, counterparties and references.

Consent and coverage

Handelsbanken supports a maximum consent window of 180 days, so a single approval keeps data syncing for roughly half a year before the customer re-authenticates. Both business and personal accounts are in scope, and connections are established under PSD2 access rules.

Privacy by design

We run a zero-knowledge model: credentials are never seen or stored by us, and there are no QWAC/QSEAL certificates for you to buy, host or rotate. Handelsbanken authenticates the user directly, and we simply pass the resulting authorised data through to you — nothing sensitive lingers on our side.

Pricing

One flat subscription of around EUR 3 per month unlocks Handelsbanken plus every other bank in the network. No setup fees, no per-call surprises, no certificate costs.

FAQ

Do I need an eIDAS certificate to reach Handelsbanken?

No. open-banking.io handles the regulated access layer, so you connect with a plain API key and skip QWAC/QSEAL certificates entirely.

How long does a Handelsbanken consent last?

Up to 180 days per approval. After that the account holder simply re-authenticates in the Handelsbanken app to renew access.

Can I access both company and personal accounts?

Yes. Handelsbanken exposes business and personal account types, and both are reachable through the same integration.

Ready to sync Handelsbanken data? Get started at open-banking.io.