Varbergs Sparbank API Access & Open Banking Data

Varbergs Sparbank (BIC SWEDSESS) is a Swedish savings bank serving the Varberg region, and open-banking.io lets you reach both business and personal account data through a single, privacy-first workspace. There are no eIDAS certificates to buy and no PSD2 licence to hold — you sign in, approve access at your bank, and your balances and transactions arrive in your dashboard. Everything is decrypted on your own device with a key only you control, so open-banking.io itself never sees your figures in the clear.

How to connect Varbergs 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 an open-banking.io account.
  2. Set an encryption passphrase. Your keys are generated locally on your device; the service only ever holds your public key.
  3. In the dashboard, pick Varbergs Sparbank and choose the account type you need — business or personal.
  4. You are redirected to Varbergs Sparbank's own secure login and consent screen, where you approve access under PSD2. Consent can last up to 180 days before you renew it.
  5. Your accounts sync back into the dashboard, ready to view.

Access your data

Reading the data programmatically is an optional developer step you take after the connection above exists. 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. Without that key an API request returns only ciphertext — proof the zero-knowledge model holds end to end. Note the CLI and SDKs only read and sync existing connections; they cannot connect a bank.

All of this runs at around EUR 3/month.

Do I need a certificate or PSD2 licence for Varbergs Sparbank?

No. Access is certificate-free — you authorise through Varbergs Sparbank's own consent screen and open-banking.io handles the rest.

Can open-banking.io read my Varbergs Sparbank transactions?

No. The service stores only your public key. Data is decrypted on your device with a private key that never leaves it.

How long does access last?

Up to 180 days per consent, after which you re-approve on Varbergs Sparbank's login screen.

Start at open-banking.io.