Ikano Bank API Access & Open Banking Integration

Ikano Bank (Sweden) offers straightforward savings and lending products, but pulling your own account data out of it has traditionally meant wrestling with PSD2 certificates and eIDAS registration. open-banking.io removes that barrier. It gives you read access to your Ikano Bank personal accounts through a single dashboard, with no certificates to buy, no sandbox onboarding, and no bank-specific paperwork. You approve access once on Ikano Bank's own login screen, and your balances and transactions flow into your account — encrypted so that only you can read them.

Because the service covers 2,600+ banks across the EU and UK, connecting Ikano Bank works exactly like connecting any other institution: through the dashboard, on your terms.

How to connect Ikano Bank

1. Sign up for open-banking.io and open the dashboard.
2. Set an encryption passphrase. Your key pair is generated locally on your device — open-banking.io only ever holds your public key, so it can store ciphertext but never decrypt it.
3. Pick Ikano Bank from the bank list and choose the personal account type (the type Ikano Bank exposes over PSD2).
4. You are redirected to Ikano Bank's own secure login, where you authenticate and approve the consent. This PSD2 authorisation lasts up to 180 days, after which you simply re-approve.
5. Your accounts sync back into the dashboard automatically. There is no API call, code, or key involved in this step — connecting is entirely a dashboard-and-bank flow.

Ikano Bank does not publish a BIC in this directory, so selection is by name in the list rather than by BIC.

Access your data

Once your Ikano Bank accounts are connected, developers can optionally read the data programmatically. 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 the X-Api-Key header, and each response is decrypted locally with your key. An API key on its own returns only ciphertext — without your private key, the data stays unreadable. Note that these tools read and sync existing connections; there is no connect command.

FAQ

Do I need an eIDAS certificate for Ikano Bank?

No. open-banking.io is certificate-free. You authorise access directly on Ikano Bank's login screen.

Can open-banking.io see my Ikano Bank transactions?

No. The architecture is zero-knowledge — data is encrypted with a key only you hold, so servers store ciphertext they cannot read.

How much does it cost?

Around EUR 3 per month, covering Ikano Bank and every other supported institution.

Ready to start? Connect Ikano Bank at open-banking.io.