bunq Cyprus: API Access & Open Banking Explained
If you bank with bunq in Cyprus and want your balances and transactions somewhere you control, open-banking.io links your accounts without the usual PSD2 red tape. There are no eIDAS certificates to buy, no sandbox to register for, and no server that can ever read your figures — your data is decrypted on your own device with a key that never leaves it. bunq's mobile-first, app-driven approach pairs neatly with this: you approve access once, and both personal and business accounts flow straight into your dashboard.
How to connect bunq
Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in this step.
- Sign up for open-banking.io and set an encryption passphrase. Your cryptographic keys are generated locally on your device, so only you can unlock what you store.
- In the dashboard, choose bunq (Cyprus) and select the account type you hold — personal or business.
- You are redirected to bunq's own secure login, where you approve the access request directly on their consent screen (standard PSD2 authorisation).
- Once approved, your bunq accounts sync into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on bunq's screen to keep the connection live.
Everything arrives already encrypted under your key — open-banking.io only ever holds your public key, never anything readable.
Access your data
After a connection exists, reading it programmatically is an optional developer step. On the Developers page, create an API key and export a credentials.json, which bundles that API key with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests carry the X-Api-Key header, and each response is decrypted locally with your own key — an API key alone returns only ciphertext. The CLI and SDK read and sync existing connections; they cannot connect a bank, since that only happens in the dashboard.
bunq (Cyprus) has no published BIC here, so accounts are identified within your dashboard rather than by BIC lookup. Access to all 2,600+ supported banks costs around EUR 3/month.
Does open-banking.io store my bunq login?
No. You authenticate on bunq's own consent screen; the service never sees your credentials.
Can I connect a business bunq account?
Yes — both personal and business account types are supported when you pick bunq in the dashboard.
How long does access last before I re-approve?
Up to 180 days per consent, then you re-authorise on bunq's screen.
Start at open-banking.io.