bunq Germany API Access & Open Banking Data Sync

Want your bunq (Germany) balances and transactions somewhere you actually control? open-banking.io links your bunq accounts through Europe's PSD2 rails and streams them into a single dashboard you own. There is no certificate to buy, no bank sponsorship to chase, and no plaintext copy of your data sitting on our servers — every record is decrypted on your own device with a key only you hold.

bunq operates under BIC BUNQDE82XXX in Germany and supports both personal and business accounts. A single consent stays valid for up to 180 days before bunq asks you to re-approve, so you set it up once and let it run for months.

How to connect bunq

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your device; we only ever see your public key.
  2. In the dashboard, choose bunq (Germany) and pick the account type you hold — personal or business.
  3. You are redirected to bunq's own secure login, where you approve access under PSD2 consent. Your credentials are entered only on bunq's screens, never ours.
  4. Once you confirm, your bunq accounts sync straight into your dashboard, ready to browse.

Access your data

After a bunq connection exists, developers can optionally read it programmatically. Open the Developers page, create an API key, and export a credentials.json — that file 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. Hold the API key without the private key and all you get back is ciphertext — proof the zero-knowledge model is real, not marketing. The CLI and SDK only read and sync connections that already exist; they never create one.

All of this runs for roughly EUR 3/month, with access to 2,600+ European banks under the same passphrase.

FAQ

Can I connect bunq without any coding?

Yes. The whole connect flow lives in the dashboard — you pick bunq and approve on bunq's login. Code is only for the optional data export afterwards.

Does open-banking.io store my bunq login?

No. You authenticate directly on bunq's site, and we hold only your public key — never your credentials or readable data.

How long before I re-authorise bunq?

bunq consent lasts up to 180 days, after which you simply re-approve in the dashboard.

Ready to start? Head to open-banking.io.