Access bunq Austria via API & Open Banking Data

bunq is the mobile-first European bank that Austrian customers use for everyday spending, savings sub-accounts and travel-friendly cards. If you want your bunq transactions in a spreadsheet, a bookkeeping tool or a script, open-banking.io gives you a single, private route to them — no bank certificate, no eIDAS setup and no PSD2 licence of your own required.

open-banking.io reaches 2,600+ banks across the EU and UK, and everything it returns is encrypted with a key that never leaves your device. The service stores only your public key, so it can move ciphertext but can never read your bunq balances or payments. That zero-knowledge design is the whole point: your financial history stays yours.

How to connect bunq

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 choose an encryption passphrase. Your keys are generated locally on your own device from that passphrase.
  2. In the dashboard, search for bunq and pick the account type you hold — bunq offers both personal and business accounts in Austria.
  3. You are redirected to bunq's own secure login, where you approve access under PSD2. open-banking.io never sees your bunq credentials.
  4. Your accounts sync back into the dashboard. A single consent stays valid for up to 180 days, after which you simply re-approve on bunq's screen.

Note that bunq has no fixed BIC in our directory (BIC: n/a), so selecting the bank in the dashboard is the reliable way to find it.

Access your data

Reading bunq data programmatically is an optional step you take after connecting. On the Developers page, create an API key and export a credentials.json — this bundles the 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. Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. An API key on its own only ever yields ciphertext, so nobody but you can read the results.

All of this runs on the standard open-banking.io plan of roughly EUR 3/month.

Do I need a developer account to connect bunq?

No. Connecting is done in the dashboard by approving access on bunq's site. API keys are only for reading data afterwards.

Can open-banking.io see my bunq transactions?

No. It holds only your public key and stores encrypted data. Decryption happens on your device with a key only you possess.

Up to 180 days per approval. When it expires, re-authorise in a few clicks on bunq's consent screen.

Ready to start? Visit open-banking.io.