Mjöbäcks Sparbank API Access & Open Banking | open-banking.io

Reaching your Mjöbäcks Sparbank accounts through a single, privacy-first service is what open-banking.io was built for. As a small Swedish savings bank, Mjöbäcks Sparbank (BIC SWEDSESS) supports PSD2 access to both business and personal accounts, and open-banking.io turns that into balances and transactions you actually control. There are no eIDAS certificates to buy, no bank sandbox to register for, and no servers that can read your data — everything is decrypted locally with a key only you hold.

How to connect Mjöbäcks Sparbank

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in linking an account:

  1. Sign up for open-banking.io and open your dashboard.
  2. Set an encryption passphrase. Your keys are generated on your own device, so open-banking.io only ever holds your public key.
  3. Pick Mjöbäcks Sparbank in the dashboard and choose your account type — business or personal.
  4. Approve on Mjöbäcks Sparbank's own screen. You're redirected to the bank's secure login to grant PSD2 consent, valid for up to 180 days.
  5. Accounts sync back into your dashboard automatically, ready to view.

Access your data

Once a connection exists, developers can optionally read it programmatically. On the Developers page, create an API key and export a credentials.json — this bundles the API key and 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. An API key on its own only ever returns ciphertext — without your private key, nothing is readable, which is what makes the service genuinely zero-knowledge.

All of this runs on the flat ~EUR 3/month plan, covering 2,600+ EU and UK banks with no per-connection fees.

Do I need a certificate or developer account with the bank?

No. open-banking.io is certificate-free; you approve access directly on Mjöbäcks Sparbank's consent screen.

Can open-banking.io see my Mjöbäcks Sparbank transactions?

No. The service stores only your public key. Data is decrypted on your device with a key that never leaves it.

How long does access last before I re-approve?

Mjöbäcks Sparbank consent lasts up to 180 days, after which you re-confirm in the dashboard.

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