Lån & Spar Bank Sweden API Access & Open Banking

Reaching your Lån & Spar Bank (Sweden) account data no longer means wrestling with bank-issued certificates or a self-built PSD2 stack. open-banking.io gives you a single, certificate-free path to both business and personal accounts at Lån & Spar Bank Sverige, alongside 2,600+ other EU and UK banks. Everything you retrieve is decrypted locally with a key that only you hold — the service is zero-knowledge, so it stores your public key and never sees your balances or transactions in the clear.

How to connect Lån & Spar Bank

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 an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated on your own device, so the decryption key never leaves it.
  3. In the dashboard, pick Lån & Spar Bank (Sweden) and choose the account type you need — business or personal.
  4. You are redirected to Lån & Spar Bank's own secure login, where you approve access on the bank's PSD2 consent screen.
  5. Your accounts sync back into the dashboard, ready to view.

Each consent lasts up to 180 days, after which you simply re-approve on Lån & Spar Bank's screen to keep the connection live.

Access your data

Programmatic access is an optional step once the connection exists. From 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard — they never create one. Without your private key, an API key alone returns nothing but ciphertext.

All of this runs for roughly EUR 3/month, with no certificate purchase or QWAC setup.

Does Lån & Spar Bank Sweden have a BIC on open-banking.io?

No BIC is listed for this connection — you select the bank by name in the dashboard, so no BIC is required.

Can I connect both business and personal accounts?

Yes. Both account types are supported; choose the one you want when you add Lån & Spar Bank in the dashboard.

Consent is valid for up to 180 days. When it expires, re-approve on Lån & Spar Bank's own consent screen.

Start at open-banking.io.