Scandic Mastercard Open Banking & API Access | EU

Scandic Mastercard is a Swedish loyalty card that rewards everyday spending, and open-banking.io lets you bring its account data into one place under EU PSD2 rules. Whether you want a live balance, a clean transaction feed for budgeting, or a programmatic export for your own tooling, the workflow is the same: link the card once in the dashboard, then read the data however you like. There is no certificate to buy and no bank-side developer registration to chase.

How to connect Scandic Mastercard

Connecting happens entirely in the open-banking.io dashboard — never through an API call or a key.

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated on your own device, so only you can later unlock the data.
  2. In the dashboard, search for Scandic Mastercard and choose the personal account type (it is the account type this card supports).
  3. You are redirected to Scandic Mastercard's own secure login to approve access. Your credentials are entered only on the bank's page, following standard PSD2 consent.
  4. Once approved, the account syncs back into your dashboard and refreshes automatically. Consent lasts up to 180 days, after which you simply re-approve.

Because Scandic Mastercard has no published BIC, open-banking.io handles the routing for you — there is nothing extra to configure.

Access your data

Programmatic access is an optional step after the card is connected. Open the Developers page, create an API key, and export a credentials.json bundling that key with your private decryption key. Then 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 key. The CLI and SDK only read and sync connections that already exist — there is no connect command.

This is what zero-knowledge means in practice: open-banking.io stores only your public key, so its servers see ciphertext and never your balances or transactions. All of this runs at around EUR 3/month.

Does open-banking.io see my Scandic Mastercard transactions?

No. Data is decrypted on your device with a key only you hold. The service keeps only your public key.

Can I connect the card with the API or CLI?

No. Connecting is done in the dashboard via Scandic Mastercard's own login. The API, CLI and SDK only read existing connections.

How long does access last?

Up to 180 days per consent, then you re-approve in the dashboard.

Start at open-banking.io.