Sparbanken Skåne Open Banking & API Data Access

Sparbanken Skåne (BIC SWEDSESS) is one of southern Sweden's larger savings banks, serving customers across Skåne with both personal and business accounts. With open-banking.io you can bring that account data into one place and, if you build software, read it programmatically — without certificates, eIDAS setups, or your own PSD2 licence. open-banking.io is a zero-knowledge service covering 2,600+ European and UK banks for about EUR 3/month. Your data is decrypted locally on your own device with a key only you hold, so nobody else — not even open-banking.io — can read it.

How to connect Sparbanken Skåne

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 your dashboard.
  2. Set your encryption passphrase. Your encryption keys are generated right there on your device; open-banking.io only ever holds your public key.
  3. Pick Sparbanken Skåne from the bank list and choose your account type — business or personal.
  4. Approve on Sparbanken Skåne's own login. You are redirected to the bank's secure consent screen to authorise access under PSD2. Nothing leaves the bank without your explicit approval.
  5. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve.

Access your data

Once Sparbanken Skåne is connected, reading the data programmatically is an optional developer step. From the Developers page, create an API key and export a credentials.json — this bundles your API key together with your private decryption key. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key, the data stays unreadable. The CLI and SDK read and sync existing connections; they never connect a bank themselves.

Do I need my own PSD2 certificate?

No. open-banking.io is certificate-free — you authorise access on Sparbanken Skåne's own consent screen and nothing more is required.

Can open-banking.io read my Sparbanken Skåne transactions?

No. The service is zero-knowledge and holds only your public key. Decryption happens on your device with a key only you possess.

Up to 180 days per approval. When it expires, re-approve on the bank's login to keep syncing.

Start at open-banking.io.