bunq API Access in Belgium | open-banking.io

bunq is the Amsterdam-born mobile bank that has built a loyal following among Belgian freelancers, businesses and everyday savers. If you want your bunq balances and transactions somewhere other than the app — a spreadsheet, an accounting tool, or your own script — open-banking.io gives you PSD2 access without the usual friction. There are no eIDAS certificates to buy, no regulatory sandbox to apply for, and no bank-side developer portal to wrestle with. You sign up, and everything is decrypted on your own device with a key that never leaves it.

open-banking.io reaches 2,600+ European banks, so a bunq connection sits alongside whatever else you hold. Both personal and business account types are supported, consent runs for up to 180 days before a quick refresh, and bunq exposes no BIC through this channel (marked n/a).

How to connect bunq

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code or key at this stage.

  1. Create your open-banking.io account and set an encryption passphrase. Your keys are generated locally on your device, so only you can ever unlock the data.
  2. In the dashboard, search for bunq and choose the account type (personal or business).
  3. You are redirected to bunq's own secure login, where you approve the PSD2 access request directly with the bank.
  4. Control returns to your dashboard and your bunq accounts begin syncing automatically.

That's it — no certificates, no manual configuration.

Access your data

Once bunq is connected, developers can optionally read the data programmatically. Open the Developers page, create an API key, and export a credentials.json file — this bundles the API key together with your private decryption key. From there 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. Because open-banking.io is zero-knowledge and holds only your public key, an API key on its own returns nothing but ciphertext — the readable data exists only on your machine.

FAQ

Do I need a developer account to connect bunq?

No. Connecting is a dashboard action. The developer tools — API key, CLI, SDK — are an optional extra step for reading your data afterward.

Can open-banking.io staff see my bunq transactions?

No. Data is encrypted with a key only you hold. The servers store your public key and ciphertext, nothing readable.

How much does it cost?

Around EUR 3 per month for full access across every supported bank, including bunq.

Ready to start? Head to open-banking.io.