Nordic API Gateway: API for Scandinavian Banks

Thought this was worth mentioning. Nordic API Gateway is a project that has integrated almost all banks in Scandinavia. With the new public YNAB API this makes it much simpler to build automated importing of transactions from your bank to YNAB, if you're in Scandinavia.

You can go to https://nordicapigateway.com/, create your own API credentials and use the contact form to get production access to your bank.

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  • Awesome! Hadn't heard about this, thank you!

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  • Nice!

    I've been wondering when something like this would be available, as the lack of API integration has been a major pain.. Currently I have to log in to my bank, export my transactions to a CSV file, transform that CSV to something that works with YNAB, and then import it.

    Better than manually entering transactions? Yeah. Fun? Nope.

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  • So how does this work? How can I get my transactions from my bank into YNAB by this method?

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  • At this point, until someone builds an integration for it, you'd have to make use of the Nordic API Gateway yourself, fetch your bank data via their API, and push the data into YNAB via the YNAB API.

    Ideally, I guess it would end up as an option in YNAB, so that you could Import directly from your chosen bank that way.

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  • Exactly. I have personally created a Node.js project which runs once an hour on my server, fetching transactions from my bank and importing them into YNAB.

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    • Marcus Mattsson Is that something you could share? Or is it a horrible hack?

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    • Magnus Møller Petersen It's very suited to my specific needs with auto-mapping of my specific categories, so at this point it doesn't make much sense to share it.

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      • Michael
      • Slate_Gray_Beat.4
      • 3 mths ago
      • Reported - view

      I contacted Nordic API Gateway to try to get access to my transactions, and was informed that it would cost at least 500€ as a startup fee and 700€ per month to get production access.
      Marcus Mattsson  or anyone else - did you manage to get access for free?

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  • Michael I contacted them as well, and if you sign up as a developer and create a client id/secret you can contact support and ask them to enable one bank. Any more than that and you'll have to pay, and also get a license as an authorized account information service from your country's financial regulator.

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      • Michael
      • Slate_Gray_Beat.4
      • 3 mths ago
      • Reported - view

      Matt Rohrer Awesome, thanks, I'll try that!

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      • Michael
      • Slate_Gray_Beat.4
      • 3 mths ago
      • Reported - view

      Unfortunately it seems that the rules have changed (or that they have now started following the rules). Nordic API Gateway's and Nordea's support both answered me that they cannot provide me access to my own data through their API unless I get an FSA license. Does anyone know of a workaround to this?

      The workaround I'm using right now is to get my transactions through Tink's API (https://docs.tink.com/api/), but it doesn't seem ideal.

      Here's the link that Nordea sent me to explain why they can't provide access to independent developers: https://support.nordeaopenbanking.com/hc/en-us/articles/360000012070-Can-I-access-my-live-personal-data-via-your-APIs-

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  • Michael said:
    The workaround I'm using right now is to get my transactions through Tink's API (https://docs.tink.com/api/), but it doesn't seem ideal.

     I am thinking about making a service that connects Tink and YNAB - I have only made a rough proof of concept so far, but I would love to know why you think the Tink API doesn't seem ideal to you?

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      • Michael
      • Slate_Gray_Beat.4
      • 1 mth ago
      • Reported - view

      Kræn Hansen my main issue with the Tink API is that you have to log in to your bank (using BankID or a passcode) every time you want to export transactions, so the export cannot be fully automated.

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      • Kræn Hansen
      • Software Engineer
      • kraenhansen
      • 1 mth ago
      • Reported - view

      Michael I think you can use the refresh token to request a new access token? https://docs.tink.com/api/#get-an-authorization-token. Have you tried (and failed) at that?

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      • Michael
      • Slate_Gray_Beat.4
      • 1 mth ago
      • Reported - view

      Kræn Hansen the refresh token will allow you to refresh your access to Tink, but unfortunately this will not cause the data from your provider to be refreshed. To refresh the data from the provider, you need to refresh your credentials (see https://docs.tink.com/api/#credentials4), but that functionality is only available to Tink enterprise users according to their support team. Therefore, the only way to refresh the data from your provider is to log in to the provider again through Tink.

      Let me know if you find a workaround!

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      • Kræn Hansen
      • Software Engineer
      • kraenhansen
      • 4 wk ago
      • 1
      • Reported - view

      Michael Oooooh. I thought their API was a proxy in-front-of the bank APIs. I didn't realize that the data was being cached and not being updated continuously. Thanks! I'll let you know if I find a better way around this. I actually think my best chance of getting a continuous feed of transactions from my personal bank is to reverse engineer their Android app (thats at least what I succeeded at doing with my previous bank to YNAB integration).

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