bunq Bulgaria API Access & Open Banking | open-banking.io

bunq is the Amsterdam-born neobank that brought fully mobile, app-first banking to customers across Europe — including Bulgaria. If you want your bunq balances and transactions in one place alongside your other institutions, open-banking.io gives you regulated PSD2 access without the usual barriers. There are no eIDAS certificates to buy, no bank-specific integration to build, and no servers that can peek at your data: your bunq information is decrypted locally with a key that never leaves your device.

Because open-banking.io is zero-knowledge, our platform only ever holds your public key. Whatever syncs from bunq stays encrypted until you unlock it yourself. That covers both personal and business bunq accounts, and each authorisation you grant lasts up to 180 days before bunq asks you to renew it.

How to connect bunq

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

  1. Sign up for an open-banking.io account.
  2. Set your encryption passphrase. Your keys are generated right there on your own device.
  3. In the dashboard, search for and select bunq (Bulgaria), then choose the account type — personal or business.
  4. You are redirected to bunq's own secure login and consent screen, where you approve access under PSD2.
  5. Your bunq accounts sync back into your dashboard, ready to view.

That is the whole flow. You authenticate directly with bunq, so we never see your credentials.

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 — 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. Note the split: an API key alone only returns ciphertext — without your private key it stays unreadable. bunq does not publish a BIC through this channel, so identify accounts by their IBAN.

FAQ

Do I need a developer account to use bunq here?

No. Connecting and viewing accounts is a dashboard task. The API key, CLI, and SDK are an optional extra for people who want programmatic reads.

Can open-banking.io read my bunq transactions?

No. The service is zero-knowledge and holds only your public key. Decryption happens on your device with a key only you have.

Up to 180 days per authorisation, after which bunq prompts you to renew directly on its consent screen.

Start at open-banking.io for around EUR 3/month.