Bank de Kremer API Access & Open Banking Data

Reaching your Bank de Kremer accounts programmatically usually means chasing PSD2 certificates and licences. open-banking.io removes that hurdle: it links to Bank de Kremer through a certificate-free, zero-knowledge service covering 2,600+ EU and UK banks. Your account data is decrypted locally with a key only you hold, so the platform never sees your balances or transactions in the clear.

Bank de Kremer is a Belgian institution serving both business and personal customers. It has no listed BIC in our directory, and a single consent authorises access for up to 180 days before you renew it.

How to connect Bank de Kremer

Connecting happens entirely in 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 on your own device, never on the server.
  2. In the dashboard, search for Bank de Kremer and choose the account type you need — business or personal.
  3. You are redirected to Bank de Kremer's own secure login to approve access (standard PSD2 consent).
  4. Once you confirm, your accounts sync back into the open-banking.io dashboard, ready to view.

That consent stays valid for up to 180 days, after which you simply re-approve from the dashboard.

Access your data

Once Bank de Kremer is connected, developers can optionally read the data programmatically. 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. 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, nothing is readable, which is what makes the service zero-knowledge.

All of this runs for around EUR 3/month, with no eIDAS certificate and no PSD2 licence required.

Do I need an API key to connect Bank de Kremer?

No. Connecting is done in the dashboard by approving access on Bank de Kremer's login screen. API keys are only for reading data afterwards.

Can open-banking.io see my Bank de Kremer data?

No. The platform holds only your public key. Decryption happens on your device with a private key that never leaves it.

How long does access last?

Each consent covers up to 180 days for both business and personal accounts, then you re-authorise from the dashboard.

Start at open-banking.io.