Kinda-Ydre Sparbank API Access & Open Banking

Kinda-Ydre Sparbank is a local savings bank in Östergötland, and open-banking.io lets you reach its account data without wrestling with eIDAS certificates or PSD2 licensing. You link the bank once, and from then on your balances and transactions flow into a dashboard where everything is decrypted on your own device — the service never holds a key that can read it.

Under PSD2, Kinda-Ydre Sparbank (BIC SWEDSESS) exposes both business and personal accounts. A single consent stays valid for up to 180 days before you re-approve, so an integration keeps running for months rather than needing constant re-authentication.

How to connect Kinda-Ydre Sparbank

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key in this step:

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally on your device; only you ever hold the private one.
  2. In the dashboard, search for Kinda-Ydre Sparbank and choose the account type you need — business or personal.
  3. You are redirected to Kinda-Ydre Sparbank's own secure login, where you approve access on the bank's consent screen.
  4. Once approved, your accounts sync back into the dashboard, and open-banking.io keeps them refreshed for the life of the consent.

Access your data

Reading the data programmatically is an optional developer step you take after the bank is connected. 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 own key. The key alone only ever returns ciphertext, so open-banking.io's servers — holding just your public key — can never read your Kinda-Ydre Sparbank data.

For roughly EUR 3 a month you get this across 2,600+ EU and UK banks, certificate-free and zero-knowledge by design.

Do I need an eIDAS certificate for Kinda-Ydre Sparbank?

No. open-banking.io handles the regulated PSD2 layer, so you only approve access on the bank's own screen — no certificate or licence required.

Can I connect Kinda-Ydre Sparbank from the CLI?

No. The CLI and SDK only read and sync connections that already exist. Linking the bank always happens in the dashboard via the bank's consent screen.

How long does access last?

Up to 180 days per consent. After that you simply re-approve on Kinda-Ydre Sparbank's login to keep syncing.

Start at https://open-banking.io.