Qonto API Access (Germany) – Open Banking Sync

Qonto is a widely used business banking platform in Germany, and open-banking.io lets you pull its data into your own tools without wrestling with direct bank integrations. Whether you run bookkeeping software, a treasury dashboard, or a personal finance tracker, a single API call keeps your Qonto figures current. Identify the German entity by its BIC, QNTODEB2XXX, and you are ready to connect.

How to connect Qonto

  1. Create an account at open-banking.io and grab your API key.
  2. Send a connection request naming Qonto (Germany) as the target institution.
  3. Approve access in Qonto's own login flow — credentials stay with the bank, never with us.
  4. Receive a secure token and begin querying the accounts you authorised.

What data you can access

  • Accounts — identifiers, currency, and holder details for each linked Qonto account.
  • Balances — live and booked balances refreshed on demand.
  • Transactions — historical and incoming entries with counterparties, amounts, and references.

Both business and personal account types are supported, so mixed portfolios sync through the same endpoint.

A single authorisation stays valid for up to 180 days before Qonto requires re-approval, giving you long, uninterrupted sync windows. open-banking.io reaches 2,600+ banks across the EU and UK, meaning Qonto can sit alongside every other account you monitor under one contract.

Privacy by design

The platform is zero-knowledge and certificate-free: no eIDAS certificate to purchase, no infrastructure to maintain. Your Qonto credentials are entered only on the bank's page, and payload data passes through without us retaining readable copies.

Pricing

Flat access costs roughly EUR 3 per month — no per-call surcharges, no setup fees, no tiered upsell.

FAQ

Do I need an eIDAS certificate for Qonto?

No. open-banking.io is certificate-free, so you connect to Qonto Germany without licensing or maintaining any regulatory certificate yourself.

How long does a Qonto connection last?

Each consent lasts up to 180 days. After that, a quick re-authorisation in Qonto's login flow restores access for another full period.

Can I sync both business and personal Qonto accounts?

Yes. Qonto's business and personal account types are both available through the same API, returning accounts, balances, and transactions consistently.

Ready to start? Visit open-banking.io and link your Qonto data in minutes.