BAWAG API Access & Open Banking Data | open-banking.io

Reaching your BAWAG (Austria) account data no longer means wrestling with PSD2 certificates or bank-specific sandboxes. open-banking.io gives you one consistent way to pull balances and transactions from BAWAG and 2,600+ other EU and UK banks, while your financial data stays encrypted with a key that never leaves your device.

BAWAG connections cover both business and personal accounts, identified by BIC BAWAATWWXXX, with a PSD2 consent that stays valid for up to 180 days before you renew it.

How to connect BAWAG

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device, so only you can decrypt what comes back.
  2. In the dashboard, choose BAWAG and select the account type you want to link (business or personal).
  3. You're redirected to BAWAG's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your BAWAG accounts sync into your dashboard and refresh automatically for the life of the consent.

Access your data

After BAWAG is linked, reading it programmatically is an optional developer step. Open the Developers page, create an API key, and export a credentials.json — this bundles your API key together with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. Because open-banking.io is zero-knowledge and holds only your public key, an API key alone returns nothing but ciphertext without your private key — the servers themselves can never read your BAWAG data.

The whole service runs certificate-free at around EUR 3/month.

Does connecting BAWAG require a developer API key?

No. You link BAWAG in the dashboard by approving access on BAWAG's own login screen. API keys only matter later, if you want to read the synced data in code.

Which BAWAG accounts are supported?

Both business and personal BAWAG accounts (BIC BAWAATWWXXX) can be connected.

How long does access last before I re-approve?

BAWAG's PSD2 consent lasts up to 180 days. After that you simply re-approve in the dashboard to keep syncing.

Start at open-banking.io to connect BAWAG and read your data your way.