KBC API Access — Open Banking for KBC Belgium

Reaching your KBC (Belgium) account data no longer means chasing PSD2 certificates or standing up your own bank integration. open-banking.io links KBC — alongside 2,600+ other EU and UK institutions — into a single dashboard where every balance and transaction is decrypted on your own device with a key only you hold. KBC operates under BIC KREDBEBB and covers both business and personal account types, so whether you are reconciling a company's ledger or tracking a private current account, the same secure path applies.

How to connect KBC

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 cryptographic keys are generated locally on your device; open-banking.io never sees your private key.
  2. In the dashboard, search for KBC and choose the relevant account type (business or personal).
  3. You are redirected to KBC's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials stay with KBC.
  4. Once approved, your KBC accounts sync straight into your dashboard. Consent lasts up to 180 days, after which you simply re-approve on KBC's screen.

Access your data

After KBC is connected, reading the data programmatically is an optional developer step. On the Developers page, create an API key and export a credentials.json — this bundles your 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only ever returns ciphertext; without your private key, nothing is readable — even to open-banking.io.

That is the heart of the zero-knowledge, certificate-free design: the servers store only your public key and hold encrypted blobs they cannot open. All of it runs for around EUR 3 per month.

Do I need an eIDAS certificate to access KBC?

No. open-banking.io handles the regulated PSD2 layer, so you never register for or manage a certificate.

Can open-banking.io read my KBC transactions?

No. Data is decrypted only on your device with a key you alone hold. The service stores ciphertext and your public key — nothing it can decrypt.

Does connecting KBC require writing any code?

No. Connecting is done in the dashboard by approving access on KBC's own login. Code and API keys only come into play afterward, if you choose to read the data programmatically.

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