JAK Medlemsbank API Access & Open Banking Data

JAK Medlemsbank is Sweden's member-owned, interest-free bank, and its business and personal account holders can bring that data into their own tools through open-banking.io. Instead of chasing PSD2 certificates or standing up a bank integration, you link JAK Medlemsbank once in the dashboard and every account syncs into a workspace only you can decrypt.

open-banking.io reaches 2,600+ banks across the EU and UK with a single, certificate-free workflow. Your encryption keys are generated on your own device, so the service holds only your public key and never sees your balances or transactions in the clear.

How to connect JAK Medlemsbank

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 an encryption passphrase. Your private decryption key is created locally and never leaves your device.
  2. In the dashboard, search for JAK Medlemsbank and choose your account type — business or personal are both supported.
  3. You're redirected to JAK Medlemsbank's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts flow back into the dashboard and begin syncing. A single approval covers up to 180 days before JAK Medlemsbank asks you to renew consent.

JAK Medlemsbank does not publish a BIC in our directory, so account selection is handled by name inside the dashboard.

Access your data

Once JAK Medlemsbank is connected, reading the data programmatically is an optional developer step. Open the Developers page, create an API key, and export a credentials.json file that bundles the API key together with your private decryption key.

With that in place, the CLI and SDKs are ready:

openbanking accounts
openbanking transactions
openbanking sync

Every request carries your X-Api-Key header, and each response is decrypted locally with your own key. Hand out only the API key and a server can return nothing but ciphertext — readable data requires the private key that stays with you. The CLI and SDK only read and sync connections you already approved in the dashboard; they never establish a new one.

All of this runs for roughly EUR 3 per month.

FAQ

Does JAK Medlemsbank support business accounts?

Yes. Both business and personal account types can be linked and synced.

Up to 180 days. After that, you re-approve access on JAK Medlemsbank's consent screen.

Can open-banking.io read my JAK Medlemsbank data?

No. The platform is zero-knowledge and stores only your public key, so decryption happens solely on your device.

Start at open-banking.io.