Northmill API Access & Open Banking Integration

Northmill Bank (BIC NOHLSESSXXX) is a Swedish digital bank, and open-banking.io lets you reach its data without the usual PSD2 red tape. There are no eIDAS certificates to buy, no bank-by-bank contracts, and no infrastructure to maintain — just a single dashboard that speaks to Northmill and 2,600+ other EU/UK banks. open-banking.io is zero-knowledge by design: the encryption keys are generated on your own device, so the service stores only your public key and never sees your balances or transactions in the clear.

Whether you hold a business or personal account with Northmill, the flow is the same, and a single consent covers up to 180 days before you renew it.

How to connect Northmill

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 private key is derived locally and never leaves your device.
  2. In the dashboard, search for Northmill and choose your account type (business or personal).
  3. You are redirected to Northmill's own secure login, where you approve access under PSD2 — you authenticate directly with the bank, not with us.
  4. Once approved, your Northmill accounts and transactions sync into your dashboard, encrypted with your key.

That consent stays valid for 180 days, after which you simply re-approve from the same screen.

Access your data

Reading Northmill data programmatically is an optional step that comes after the connection exists. Open 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests carry your key in the X-Api-Key header, and every response is decrypted locally with your private key. The API key alone only ever returns ciphertext — without your key, the payload stays unreadable, which is exactly the point of a zero-knowledge design. There is no connect command: the tooling reads and syncs connections you already approved in the dashboard.

All of this runs for roughly EUR 3/month.

Do I need an eIDAS certificate for Northmill?

No. open-banking.io is certificate-free — you connect through the dashboard and approve on Northmill's own screen.

Can open-banking.io read my Northmill data?

No. It holds only your public key; decryption happens on your device with a key only you have.

Does the CLI connect my Northmill account?

No. The CLI and SDK only read and sync existing connections. Connecting is done once in the dashboard.

Get started at open-banking.io.