BBVA API Access — Belgium Open Banking Data

Reaching your BBVA (Belgium) accounts programmatically usually means chasing PSD2 certificates and building a compliant client. open-banking.io removes all of that. It is a zero-knowledge, certificate-free bridge to 2,600+ European banks, so you can pull BBVA balances and transactions without registering as a regulated provider. Your data is encrypted end to end and decrypted only on your own device, with a key that never leaves it — open-banking.io stores just your public key and can never read your accounts.

BBVA in Belgium (BIC BBVABEBBXXX) is fully supported for both business and personal account types, with consent lasting up to 180 days before you re-approve.

How to connect BBVA

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 locally on your device from that passphrase.
  2. In the dashboard, pick BBVA (Belgium) and choose whether you are linking a business or personal account.
  3. You are redirected to BBVA's own secure login, where you approve access directly on the bank's PSD2 consent screen.
  4. Once approved, your BBVA accounts sync back into your dashboard, ready to view.

Because you authenticate on BBVA's side, open-banking.io never sees your banking credentials.

Access your data

Programmatic access is an optional step for developers, taken after a connection already exists. Open the Developers page, create an API key, and export a credentials.json — this bundles the API key together with your private decryption key.

With it you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, no one, including open-banking.io, can read a thing.

All of this runs for roughly EUR 3/month.

FAQ

Do I need an eIDAS certificate to access BBVA?

No. open-banking.io is certificate-free — you approve access on BBVA's consent screen and skip the regulated-provider setup entirely.

Can the CLI connect my BBVA account?

No. The CLI and SDK only read and sync connections that already exist. Connecting BBVA is done once in the dashboard via the bank's login.

Up to 180 days, after which you re-approve access on BBVA's PSD2 screen from your dashboard.

Start accessing your BBVA data at open-banking.io.