Europabank API Access & Open Banking Integration

Reaching your Europabank account data no longer means wrestling with eIDAS certificates or a PSD2 sandbox. open-banking.io gives you a certificate-free path to Europabank (BIC EURBBE99), the Ghent-based Belgian lender, covering both business and personal accounts. You link the account once, and every figure you pull back is decrypted on your own device with a key that never leaves it.

The service reaches 2,600+ European and UK banks for roughly EUR 3/month, and it is zero-knowledge by design: open-banking.io stores only your public key, so its servers can never read your Europabank statements even if compelled to.

How to connect Europabank

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 set your encryption passphrase. Your key pair is generated locally on your device at this moment.
  2. In the dashboard, choose Europabank from the bank list and select the account type you hold — business or personal.
  3. You are redirected to Europabank's own secure login, where you approve access under PSD2 consent. Your credentials go only to the bank.
  4. Once approved, your Europabank accounts and transactions sync into your dashboard. The consent stays valid for up to 180 days, after which you simply re-approve on Europabank's screen.

Access your data

After the connection exists, developers can optionally read it 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key, the payload stays unreadable. Note that the CLI and SDK read and sync existing connections only; there is no connect command, because linking always goes through the dashboard flow above.

FAQ

Do I need an eIDAS certificate for Europabank?

No. open-banking.io is certificate-free. You authorize access on Europabank's own consent screen and skip the entire certificate process.

Can open-banking.io read my Europabank transactions?

No. The platform holds only your public key. All decryption happens on your device, so your data is never readable on their servers.

Up to 180 days per approval. When it lapses, you re-approve on Europabank's login screen to resume syncing.

Start linking Europabank at open-banking.io.