HSBC Belgium API Access & Open Banking Data

Reach your HSBC (Belgium) business account data without wrestling with PSD2 certificates, sandbox registrations, or bank-specific developer portals. open-banking.io gives you one consistent path to HSBC and 2,600+ other EU/UK banks, and it decrypts everything on your own device with a key that never leaves it. HSBC in Belgium is identified by BIC HBUKGB4BXXX, covers business account types, and grants a consent window of up to 180 days before you re-approve.

How to connect HSBC

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, no key, and no code 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; the service only ever holds your public key.
  2. In the dashboard, choose HSBC (Belgium) and select the business account type you want to link.
  3. You are redirected to HSBC's own secure login, where you approve the PSD2 access request on the bank's consent screen.
  4. Once approved, your HSBC accounts and transactions sync into your open-banking.io dashboard automatically.

Because consent lasts up to 180 days, you can keep reading data for months before HSBC asks you to reconfirm.

Access your data

After the connection exists, programmatic access is an optional developer add-on. From the Developers page, create an API key and export a credentials.json — this file 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 directly.

Every request carries the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, nobody, including open-banking.io's servers, can read a single figure. Note the CLI and SDK only read and sync existing connections; there is no connect command.

This is what zero-knowledge, certificate-free access means in practice: no eIDAS certificate to buy, no plaintext held by a middleman, and pricing at roughly EUR 3/month.

Do I need a PSD2 certificate for HSBC?

No. open-banking.io handles the regulated access layer, so you never register or manage a certificate.

Can open-banking.io read my HSBC balances?

No. Data is decrypted only on your device with your private key. The servers store just your public key and ciphertext.

How long does HSBC access stay active?

Up to 180 days per consent. After that you re-approve on HSBC's login screen from the dashboard.

Start at open-banking.io.