Sparbanken Skaraborg API Access & Open Banking

Reaching your Sparbanken Skaraborg accounts programmatically usually means chasing PSD2 certificates, sandbox registrations and eIDAS paperwork. open-banking.io skips all of that. It is a zero-knowledge, certificate-free bridge to 2,600+ EU and UK banks, so you get clean access to Sparbanken Skaraborg (BIC SWEDSESS) balances and transactions without maintaining any banking infrastructure of your own.

Both business and personal accounts are supported, and a single approval keeps your data flowing for up to 180 days before Sparbanken Skaraborg asks you to renew consent.

How to connect Sparbanken Skaraborg

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device.
  2. In the dashboard, choose Sparbanken Skaraborg and select your account type (business or personal).
  3. You are redirected to Sparbanken Skaraborg's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync straight back into your open-banking.io dashboard, ready to view.

Because you authenticate directly with Sparbanken Skaraborg, open-banking.io never sees your banking credentials.

Access your data

Once a connection exists, developers can optionally read it programmatically. On the Developers page, create an API key and export a credentials.json file — this bundles the API key together with your private decryption key. From there 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. The CLI and SDK only read and sync connections you already approved — they never create one.

This is the zero-knowledge guarantee in practice: open-banking.io holds only your public key, so its servers store nothing but ciphertext. All of this runs for roughly EUR 3 per month.

Does open-banking.io need an eIDAS certificate?

No. The service is certificate-free — you connect Sparbanken Skaraborg through the dashboard without any PSD2 certificate of your own.

Can open-banking.io read my Sparbanken Skaraborg data?

No. Data is decrypted on your device with a key only you hold. An API key alone returns encrypted data; without your private key it stays unreadable.

Sparbanken Skaraborg permits a maximum consent window of 180 days, after which you re-approve access from the dashboard.

Ready to start? Head to open-banking.io and connect Sparbanken Skaraborg in minutes.