Sparbanken Nord API Access & Open Banking Data

Sparbanken Nord serves customers across northern Sweden, and open-banking.io lets you reach its account and transaction data without the usual PSD2 red tape. There are no eIDAS certificates to buy, no bank-specific paperwork, and no infrastructure to run. You link the bank once in your dashboard, and everything that arrives is decrypted on your own device with a key that never leaves it — open-banking.io only ever holds your public key, so it cannot read a single balance or payment of yours.

Sparbanken Nord (BIC SWEDSESS) is available for both business and personal accounts, with a consent window of up to 180 days before you re-approve access.

How to connect Sparbanken Nord

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 keys are generated locally on your device at that moment.
  2. In the dashboard, choose Sparbanken Nord from the bank list and select the account type you need (business or personal).
  3. You are redirected to Sparbanken Nord's own secure login, where you approve access on the bank's PSD2 consent screen — your credentials only ever touch the bank.
  4. Once approved, your accounts sync back into the dashboard and stay refreshed for the length of your consent.

Access your data

Reading the data programmatically is an optional step for developers, and only after the connection above 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. Every request sends the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key, the data stays unreadable to everyone, including open-banking.io.

All of this runs for around EUR 3/month.

Do I need an eIDAS certificate for Sparbanken Nord?

No. open-banking.io is certificate-free — you connect through the dashboard and approve access on the bank's side.

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

No. It is zero-knowledge and holds only your public key. Decryption happens on your device with a key only you have.

Can the CLI connect the bank for me?

No. The CLI and SDKs only read and sync connections you have already approved in the dashboard — there is no connect command.

Ready to start? Visit open-banking.io.