S-Pankki API
🇫🇮 Finland
Independent reference page. BankSnipe is not S-Pankki and is not affiliated with or endorsed by it. We don't collect logins, passwords or account details. The URLs below are listed as plain text (not clickable) — copy and paste them into your browser to reach S-Pankki's official domains.
S-Pankki exposes an open banking API built on the Berlin Group NextGenPSD2 standard, covering account information (AIS), payment initiation (PIS) and confirmation of funds (CBPII). We have not recorded any premium APIs beyond the regulated PSD2 baseline.
Access uses OAuth 2.0 with redirect SCA, over a REST interface. A self-service sandbox lets you build and test before you apply for production access.
The API serves Finland. BankSnipe rates S-Pankki's API maturity 4/5 (Established), last reviewed 22 Jun 2026.
Overview
- API standard
- Berlin Group NextGenPSD2
- API style
- REST
- Authentication
- OAuth 2.0 · SCA: redirect
- Sandbox
- Available (self-service)
- Last reviewed
- 22 Jun 2026 · 2 months ago
Products
Maturity signals
- Account info (AIS)
- Payment initiation (PIS)
- Confirmation of funds (CBPII)
- Premium / beyond-PSD2 APIs
Links
- Website
- https://www.s-pankki.fi
- Developer portal
- https://crosskey.io/stores/s-pankki
Notes
S-Pankki, the Finnish retail bank tied to the S Group co-op, exposes Berlin Group PSD2 APIs for account information, payment initiation and confirmation of funds. Its PSD2 interface and credentials are operated through Crosskey's Open Banking Market.
S-Pankki API: frequently asked questions
Does S-Pankki have a public API?
Yes. S-Pankki publishes regulated PSD2 open banking APIs covering account information (AIS), payment initiation (PIS) and confirmation of funds (CBPII). Registration and documentation live on its developer portal at https://crosskey.io/stores/s-pankki.
Does S-Pankki offer an API sandbox?
Yes. The sandbox is self-service, so you can sign up and start calling it without a commercial agreement in place.
Which open banking standard does the S-Pankki API use?
Berlin Group NextGenPSD2: the most widely used European open-banking API standard. Two banks on the same standard can still differ in the details, so read the bank's own documentation before you build.
How do you authenticate with the S-Pankki API?
OAuth 2.0, with redirect SCA for the customer consent step. Production access to the regulated endpoints also means registering as a licensed third-party provider with the bank.
Does S-Pankki offer premium APIs beyond PSD2?
Not that we have recorded. S-Pankki's listing covers the regulated PSD2 baseline only.
Which countries does the S-Pankki API cover?
Finland.
Is the S-Pankki API free to use?
Banks generally do not charge licensed third-party providers for the regulated open banking endpoints, which is the point of the mandate. Premium APIs above that baseline are commercial products priced by the bank. BankSnipe does not track pricing, so confirm it with the bank.
How mature is the S-Pankki API?
BankSnipe scores it 4 out of 5 (Established). The score counts how many of the four product signals are live: AIS, PIS, CBPII and premium APIs beyond the regulated PSD2 baseline.