Sparbanken Spira API Access & Open Banking Data

Reaching your Sparbanken Spira account data no longer means wrangling PSD2 certificates or building an OAuth server. open-banking.io links to Sparbanken Spira (BIC SWEDSESS) through its dashboard, covering both business and personal accounts, so you can view balances and transactions in one place and, if you wish, read them programmatically later.

Everything stays private by design. Your data is encrypted with a key generated on your own device and decrypted locally — open-banking.io is zero-knowledge and holds only your public key, never anything it could read on its own. No eIDAS certificate, no bank sponsorship, no infrastructure to run.

How to connect Sparbanken Spira

Connecting happens entirely in 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 created locally, so only you can unlock your data.
  2. In the dashboard, search for Sparbanken Spira and choose the account type you need — business or personal.
  3. You are redirected to Sparbanken Spira's own secure login, where you approve access on the bank's consent screen (standard PSD2 authorisation).
  4. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

Once Sparbanken Spira is connected, developers can optionally read the data outside the dashboard. On the Developers page, create an API key and export a credentials.json — this bundles the 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. Without that private key, an API key alone returns only ciphertext — which is exactly the point.

All of this runs for roughly EUR 3/month.

Do I need a PSD2 certificate for Sparbanken Spira?

No. open-banking.io is certificate-free. You approve access directly on Sparbanken Spira's login screen, and the service handles the regulated connection.

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

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

How do I connect Sparbanken Spira with the CLI?

You don't — the CLI only reads and syncs existing connections. Connect Sparbanken Spira in the dashboard first, then use the CLI to pull the data.

Get started at open-banking.io.