Ölands Bank Open Banking & API Access — Sweden

Ölands Bank, the sparbank rooted on the island of Öland, keeps its account data behind a modern PSD2 login. open-banking.io lets you reach that data without certificates, eIDAS bundles, or a bank sandbox to register for. It is a zero-knowledge service covering 2,600+ European banks: your encryption keys are generated on your own device, so only you can ever read what syncs back. Ölands Bank carries the BIC SWEDSESS, supports both business and personal accounts, and grants consent windows of up to 180 days before you renew.

How to connect Ölands Bank

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 your encryption passphrase. Your keys are created locally on your device; the servers only ever hold your public key.
  2. In the dashboard, search for Ölands Bank and choose the account type you need — business or personal.
  3. You are redirected to Ölands Bank's own secure login, where you approve access on the bank's PSD2 consent screen. open-banking.io never sees your credentials.
  4. Your accounts sync straight into the dashboard, encrypted, and stay live for the 180-day consent period.

Access your data

Reading the data programmatically is an optional developer step you take after the connection exists. 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, or openbanking sync.
  • Or call the REST API / an SDK, passing your key in the X-Api-Key header.

Every response arrives encrypted and is decrypted locally with your private key. An API key alone returns only ciphertext — without your key, no one, including open-banking.io, can read a single balance. Note the CLI and SDK only read and refresh existing connections; there is no connect command.

All of this runs for roughly EUR 3/month, with no certificate paperwork.

Do I need a PSD2 certificate for Ölands Bank?

No. open-banking.io is certificate-free — you approve access on Ölands Bank's own login and nothing more.

Can open-banking.io read my Ölands Bank transactions?

No. It is zero-knowledge and holds only your public key. Decryption happens on your device with a key only you possess.

How long does access last?

Ölands Bank permits consent of up to 180 days, after which you re-approve access to keep your data syncing.

Start at open-banking.io.