Tidaholms Sparbank Open Banking and API Access

Tidaholms Sparbank is a locally rooted Swedish savings bank, and open-banking.io gives you a clean, private route to your own account data there. Whether you hold a personal or a business account, you can bring balances and transactions into one dashboard without provisioning your own PSD2 certificates, registering as a TPP, or wiring up OAuth. open-banking.io covers 2,600+ banks across the EU and UK, and Tidaholms Sparbank (BIC SWEDSESS) is one of them.

The defining feature is privacy. open-banking.io is zero-knowledge: your encryption keys are generated on your own device, and the service only ever holds your public key. Data is decrypted locally, so nobody — not even open-banking.io's servers — can read your Tidaholms Sparbank statements. All of this runs for roughly EUR 3 per month.

How to connect Tidaholms Sparbank

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 private key is created on your device and never leaves it.
  2. In the dashboard, choose Tidaholms Sparbank and pick the account type you want to link — business or personal.
  3. You are redirected to Tidaholms Sparbank's own secure login, where you approve access on the bank's PSD2 consent screen (Mobilt BankID). open-banking.io never sees your credentials.
  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 a connection exists, developers can optionally read it programmatically. 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. An API key on its own only ever returns ciphertext.

Do I need my own bank API or certificate?

No. open-banking.io is certificate-free — you never register with Tidaholms Sparbank as a developer or manage eIDAS certificates.

Can open-banking.io read my Tidaholms Sparbank data?

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

How do I connect — is there a connect endpoint?

There isn't. Connecting is done in the dashboard by approving consent on Tidaholms Sparbank's own login. The CLI and SDK only read or sync connections that already exist.

Start at open-banking.io.