Wallet Mastercard API Access & Open Banking (SE)

Wallet Mastercard is a Swedish payment card, and its transaction history is often the missing piece when you try to see every account in one place. open-banking.io gives you a single, privacy-first way to reach that data. It is a zero-knowledge, certificate-free service covering 2,600+ banks and card issuers across the EU and UK, where everything your card reveals is decrypted on your own device with a key that never leaves it. Wallet Mastercard exposes personal account access, its BIC is not published, and consent stays valid for up to 180 days before you re-approve.

How to connect Wallet Mastercard

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

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated locally on your device, so only you can later unlock the data.
  3. In the dashboard, search for Wallet Mastercard and choose the personal account type.
  4. You are redirected to Wallet Mastercard's own secure login, where you approve access under PSD2 — the same trusted screen you already use.
  5. Your accounts and transactions sync back into your dashboard, ready to view.

That is the whole flow. open-banking.io only ever holds your public key, so its servers can never read or decrypt what comes back.

Access your data

Once Wallet Mastercard is connected, reading it programmatically is an optional developer step. Open the Developers page, create an API key, and export a credentials.json that bundles the API key with your private decryption key. From there use the CLI — openbanking accounts, openbanking transactions, openbanking sync — or the SDK and REST API. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext; without your private key, nobody — including open-banking.io — can make it readable.

All of this runs for about EUR 3 per month, with no eIDAS certificate and no bank onboarding paperwork.

Do I need a developer account to connect Wallet Mastercard?

No. Connecting is a dashboard action. API keys are only for reading data afterwards.

Up to 180 days. When it expires, re-approve on Wallet Mastercard's own login screen.

Can open-banking.io see my Wallet Mastercard transactions?

No. It is zero-knowledge and stores only your public key, so decryption happens solely on your device.

Start at open-banking.io.