Sparbanken Lidköping API & Open Banking Access

Reading your own Sparbanken Lidköping data shouldn't require a banking licence, an eIDAS certificate, or weeks of PSD2 paperwork. open-banking.io gives individuals and developers a direct, compliant path to their Sparbanken Lidköping accounts (BIC SWEDSESS), covering both business and personal account types. Everything runs on a zero-knowledge architecture: your data is decrypted locally on your own device with a key only you hold, so no server — not even ours — can read your balances or transactions.

How to connect Sparbanken Lidköping

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 open the dashboard.
  2. Set an encryption passphrase. Your encryption keys are generated right there on your device; we only ever see your public key.
  3. Pick Sparbanken Lidköping from the bank list and choose the account type you want to link — business or personal.
  4. You're redirected to Sparbanken Lidköping's own secure login, where you approve access on the bank's genuine PSD2 consent screen. Consent lasts up to 180 days, after which you renew it from the dashboard.
  5. Your accounts sync into your dashboard, ready to view.

No certificate to buy, no OAuth app to register, no redirect you have to build yourself.

Access your data

Once Sparbanken Lidköping is connected, developers can optionally read the data programmatically. On the Developers page, create an API key and export a credentials.json — this bundles your 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. Every request carries 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 private key the data stays unreadable, which is exactly the point of a zero-knowledge design.

FAQ

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

No. open-banking.io is certificate-free. You connect through Sparbanken Lidköping's normal consent flow in the dashboard — no eIDAS certificate or bank-side registration required.

Can open-banking.io see my Sparbanken Lidköping transactions?

No. The service is zero-knowledge and holds only your public key. Your data is decrypted on your own device with a private key that never leaves it.

What does it cost?

Around EUR 3 per month, covering access to 2,600+ EU and UK banks — including Sparbanken Lidköping.

Ready to start? Connect your account at open-banking.io.