Qonto (Germany) API Access & Open Banking | open-banking.io

Qonto is a business-first bank widely used by German freelancers, startups and SMEs, and open-banking.io lets you reach its account and transaction data without wrestling with eIDAS certificates or PSD2 sandbox registrations. You connect once in the dashboard, and every figure that lands on your machine is decrypted with a key only you hold. Qonto operates under BIC QNTODEB2XXX and supports both business and personal account types, with consent valid for up to 180 days before a quick renewal is needed.

How to connect Qonto

Connecting happens entirely inside the open-banking.io dashboard — there is no endpoint to call and no key to paste. The steps:

  1. Sign up for open-banking.io and set an encryption passphrase. Your cryptographic keys are generated locally on your own device.
  2. In the dashboard, choose Qonto from the bank list and pick the account type you want to link (business or personal).
  3. You are redirected to Qonto's own secure login, where you approve access under PSD2 — your credentials are only ever entered on Qonto's site.
  4. Once approved, your Qonto accounts sync back into the dashboard, ready to view or export.

That is the whole flow. No API request connects the bank; the consent is granted directly by you on Qonto's screen.

Access your data

Programmatic access is an optional 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 you can run the CLI (openbanking accounts, openbanking transactions, openbanking sync), call the REST API, or use an SDK. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only ever yields ciphertext, because open-banking.io holds nothing but your public key.

This zero-knowledge, certificate-free design means the service can never read your Qonto data — and all of it costs around EUR 3/month.

FAQ

Do I need a PSD2 certificate to use Qonto here?

No. open-banking.io handles the regulated connection, so you never register for or manage an eIDAS certificate yourself.

Yes. Qonto supports both account types, and you select which to connect when you pick it in the dashboard.

How often do I re-authorize?

Consent lasts up to 180 days. When it lapses, you simply re-approve on Qonto's login screen from the dashboard.

Ready to start? Visit open-banking.io.