Ziklo Bank API Access & Open Banking Integration

Ziklo Bank — the Swedish bank formerly known as Volvofinans Bank — supports open banking under PSD2, and open-banking.io lets you reach both your business and personal Ziklo accounts without wrestling with eIDAS certificates or QWAC setup. You sign up once, and your transaction history and balances flow into a single dashboard, decrypted on your own device with a key that never leaves it. open-banking.io covers 2,600+ EU and UK banks, so Ziklo Bank sits alongside the rest of your finances rather than in a silo.

How to connect Ziklo Bank

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in this step.

  1. Create your open-banking.io account and set an encryption passphrase. Your cryptographic keys are generated locally on your device, so only you hold the private key.
  2. In the dashboard, search for Ziklo Bank and choose the account type you want to link — business or personal.
  3. You are redirected to Ziklo Bank's own secure login, where you approve the PSD2 consent directly with the bank.
  4. Your approved accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on Ziklo Bank's screen.

Because the login and approval stay on Ziklo Bank's infrastructure, open-banking.io never sees your banking credentials.

Access your data

Once a Ziklo Bank connection exists, developers can optionally read it programmatically. On the Developers page, generate 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. Requests carry the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard — they cannot create new ones.

This is what zero-knowledge means in practice: open-banking.io stores only your public key, so the servers hold ciphertext they cannot read. An API key alone returns encrypted data — without your private key it stays unreadable. All of this runs for roughly EUR 3/month.

Does Ziklo Bank have a BIC in open-banking.io?

No BIC is listed for Ziklo Bank here; you select it by name in the dashboard instead.

Can I connect a Ziklo business account?

Yes. Both business and personal Ziklo Bank account types are supported.

PSD2 consent for Ziklo Bank lasts up to 180 days, then you re-approve on the bank's own screen.

Start at https://open-banking.io.