BKS Bank API Access & Open Banking Integration

Reaching your BKS Bank accounts through a single, privacy-first service is what open-banking.io is built for. As an Austrian bank, BKS Bank supports PSD2 access to both business and personal accounts, and open-banking.io turns that regulated access into a clean, unified feed alongside 2,600+ other EU and UK institutions — no bank certificates to obtain, no eIDAS setup, no infrastructure to run.

The difference is where your data lives. open-banking.io is zero-knowledge: your encryption keys are generated on your own device from a passphrase you set, and the service only ever holds your public key. Everything you see is decrypted locally, so nobody at open-banking.io can read your BKS Bank balances or transactions.

How to connect BKS Bank

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your private key is created locally and never leaves your device.
  2. In the dashboard, search for BKS Bank and choose the account type you want to link — business or personal.
  3. You are redirected to BKS Bank's own secure login, where you authenticate and approve the PSD2 consent directly with the bank.
  4. Once approved, your accounts sync back into your open-banking.io dashboard.

BKS Bank grants a maximum consent window of 180 days, after which you simply re-approve on the bank's login to keep the connection live. (BKS Bank does not expose a public BIC through this flow, so none is required from you.)

Access your data

Reading BKS Bank data programmatically is an optional step you take after the connection exists. On the Developers page, create an API key and export a credentials.json — this bundles your API key together with your private decryption key. With it you can run the CLI (openbanking accounts, openbanking transactions, openbanking sync) or call the SDK / REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key, the data stays unreadable.

All of this runs for about EUR 3/month.

Do I need a developer account to use BKS Bank?

No. Connecting and viewing accounts is done in the dashboard. Developer tools are optional for those who want programmatic reads.

Can open-banking.io see my BKS Bank transactions?

No. It stores only your public key. Data is decrypted on your device, so the service never sees readable content.

How long does BKS Bank access last?

Up to 180 days per consent. Re-approve on BKS Bank's login screen to renew.

Start at open-banking.io.