SEB API Access — Open Banking for SEB Sweden

SEB is one of Sweden's largest banks, and open-banking.io gives you a certificate-free way to reach your SEB accounts under PSD2 — without eIDAS certificates, sponsor banks, or a regulatory licence of your own. You get standardised access to both business and personal SEB accounts (BIC ESSESESS), and because open-banking.io is zero-knowledge, every balance and transaction is decrypted on your own device with a key that never leaves it. The service covers 2,600+ EU/UK banks for about EUR 3/month.

How to connect SEB

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in this step.

  1. Sign up at open-banking.io and open the dashboard.
  2. Set an encryption passphrase. Your key pair is generated locally on your device; open-banking.io only ever stores your public key.
  3. Pick SEB from the bank list and choose the account type you want to link — business or personal.
  4. Approve on SEB's own screen. You're redirected to SEB's secure login to grant PSD2 consent directly with the bank. open-banking.io never sees your credentials.
  5. Accounts sync back into your dashboard automatically. Your SEB consent stays valid for up to 180 days, after which you simply re-approve.

Access your data

Reading SEB 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.

With that in place you can use the CLI:

openbanking accounts
openbanking transactions
openbanking sync

…or call the SDK or REST API directly. 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 refresh connections you already made in the dashboard — there is no connect command, and an API key on its own returns nothing but ciphertext until your private key unlocks it.

FAQ

Do I need an eIDAS certificate to access SEB?

No. open-banking.io is certificate-free — it handles the PSD2 layer so you never register or maintain a QWAC/QSEAL certificate.

Can open-banking.io read my SEB transactions?

No. It holds only your public key. Data is encrypted for you and decrypted on your device, so the servers only ever store ciphertext.

Up to 180 days per approval, matching SEB's maximum consent window. After that you re-approve on SEB's login screen.

Ready to start? Visit open-banking.io.