ING Wholesale Banking Bulgaria API & Open Banking Access

ING Wholesale Banking is ING's corporate and institutional arm, and its Bulgaria branch serves companies banking in Sofia and across the region. If you need a clean, ongoing view of those business accounts — balances, transactions, statements — open-banking.io lets you reach the data under PSD2 without chasing eIDAS certificates or building a bank-specific integration. You connect once, and the account information keeps syncing.

open-banking.io is a zero-knowledge, certificate-free service covering 2,600+ EU and UK banks. Your encryption keys are generated on your own device, so the platform stores only your public key and never sees your account contents in the clear.

How to connect ING Wholesale Banking

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in this step:

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your private decryption key is created locally from it and never leaves your device.
  3. In the dashboard, pick ING Wholesale Banking (Bulgaria) and choose the business account type.
  4. You're redirected to ING Wholesale Banking's own secure login to approve access on their PSD2 consent screen.
  5. Once approved, your accounts sync into the dashboard.

Consent lasts up to 180 days, after which you simply re-approve on ING's screen to keep the connection live. ING Wholesale Banking's BIC is not required here — the dashboard handles routing for you.

Access your data

After the connection exists, reading it programmatically is an optional developer step. On the Developers page, create an API key and export a credentials.json — this bundles the API key with your private decryption key. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext, which is what keeps the model zero-knowledge.

At around EUR 3/month, it's a low-overhead way to pull corporate account data into your own tools.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — there's nothing to procure or renew on your side.

Can open-banking.io read my ING account data?

No. Data is decrypted only on your device with a key that never leaves it. The servers hold only your public key.

Which account types are supported for ING Wholesale Banking?

Business accounts, matching ING Wholesale Banking's corporate focus in Bulgaria.

Ready to start? Visit https://open-banking.io.