Swedbank Open Banking API Access via open-banking.io

Swedbank is one of Sweden's largest retail and corporate banks, and open-banking.io lets you reach your own Swedbank account data through the EU's PSD2 open-banking rules — without certificates, screen-scraping, or a bank developer contract. Whether you hold a personal current account or run a business relationship (BIC SWEDSESS), you can bring balances and transactions into one encrypted dashboard alongside 2,600+ other European banks.

What makes open-banking.io different is that it is zero-knowledge. When you sign up you set an encryption passphrase, and the keys are generated locally on your own device. The service only ever holds your public key, so it can store your synced data but can never read or decrypt it — that only happens on your machine.

How to connect Swedbank

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in linking an account.

  1. Sign up for open-banking.io and set your encryption passphrase (your private key stays on your device).
  2. In the dashboard, choose Swedbank and pick the account type you hold — business or personal.
  3. You are redirected to Swedbank's own secure login, where you approve access under PSD2 consent.
  4. Control returns to your dashboard and your Swedbank accounts begin to sync.

Consent lasts up to 180 days, after which you simply re-approve on Swedbank's screen to keep the connection live. Your credentials are only ever entered on Swedbank's site, never on open-banking.io.

Access your data

Once Swedbank is connected, reading the data programmatically is an optional step for developers. On 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext; without your private key the data stays unreadable. Note that these tools read and sync existing connections — the initial Swedbank link is always made in the dashboard.

All of this runs on a simple subscription of roughly EUR 3/month.

FAQ

Do I need a certificate or developer agreement with Swedbank?

No. open-banking.io is certificate-free and uses regulated PSD2 access, so you just approve consent on Swedbank's own login.

Can open-banking.io see my Swedbank transactions?

No. It is zero-knowledge and holds only your public key. Data is decrypted solely on your device with a key only you hold.

How long does Swedbank access stay active?

Up to 180 days per consent. When it expires, re-approve on Swedbank's screen to renew the connection.

Ready to start? Visit open-banking.io.