Pleo Belgium Open Banking & Pleo API Access Guide
Pleo issues smart company cards and automates expense management, so its account feed is where your real-time card spend, top-ups, and reconciliation data live. With open-banking.io you can pull that Pleo data into one place under PSD2 access — no bank certificate, no eIDAS setup, and no waiting on a partner agreement. Everything is decrypted on your own device with a key that never leaves it, so open-banking.io only ever stores your public key and ciphertext it cannot read.
How to connect Pleo
Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in this step:
- Sign up at open-banking.io and set an encryption passphrase. Your key pair is generated locally on your device.
- In the dashboard, search for Pleo (BIC PLEODKK2) and choose the account type you need — Pleo supports both business and personal accounts.
- You are redirected to Pleo's own secure login to review and approve the PSD2 consent. You authenticate directly with Pleo; open-banking.io never sees your credentials.
- Once approved, your Pleo accounts and transactions sync into your dashboard. The consent stays valid for up to 180 days, after which you simply re-approve.
Access your data
Reading Pleo data programmatically is an optional developer step you take after the connection exists. 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. Requests carry your key in the X-Api-Key header, and every response is decrypted locally with your private key. Note that the API key alone only ever returns ciphertext — without your private key, the data stays unreadable, which is what makes the service genuinely zero-knowledge. The CLI and SDK read and sync existing connections only; there is no connect command.
At roughly EUR 3/month, it is a low-cost way to keep Pleo data flowing into your own tools.
Is my Pleo login shared with open-banking.io?
No. You approve access on Pleo's own consent screen, and open-banking.io never receives your Pleo credentials.
Do I need a certificate or QWAC to access Pleo?
No. open-banking.io is certificate-free — you sign up, set a passphrase, and connect Pleo from the dashboard.
Can open-banking.io staff see my Pleo transactions?
No. Data is decrypted only on your device with your private key; the servers hold only your public key and encrypted data.
Ready to start? Connect Pleo at open-banking.io.