bunq Denmark API Access — Open Banking Data Sync

Reaching your bunq account data in Denmark no longer means wrestling with eIDAS certificates or a PSD2 sandbox. open-banking.io gives you a clean route to your personal and business bunq balances and transactions, with one guarantee that sets it apart: every figure is decrypted on your own device, using a key only you hold. The service never sees your statements in the clear.

bunq is a mobile-first European bank, and its Danish accounts fit straight into the open-banking.io coverage of 2,600+ institutions. There is no published BIC to track down here — you simply pick bunq inside the dashboard and let the flow do the rest.

How to connect bunq

Connecting happens entirely in the open-banking.io web dashboard — there is no code, no endpoint, and no key involved at this stage.

  1. Sign up at open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally, on your device, at this moment.
  2. In the dashboard, choose bunq and select the account type you need — personal or business.
  3. You are redirected to bunq's own secure login, where you approve access under PSD2. Consent lasts up to 180 days before a quick renewal is needed.
  4. Your bunq accounts then sync into the dashboard, ready to view.

That approval always takes place on bunq's screens, so your banking credentials never touch open-banking.io.

Access your data

Once bunq is connected, developers can optionally read the data programmatically. Open 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Calls carry your key in 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 — the readable data lives behind the key that never leaves you.

The whole service runs at around EUR 3 per month, certificate-free and zero-knowledge by design: open-banking.io stores only your public key.

FAQ

Do I need an API key to connect bunq?

No. Connecting is a dashboard-only step where you approve access on bunq's login. API keys are for reading data afterwards.

Can open-banking.io read my bunq transactions?

No. Data is decrypted locally with a key only you hold; the servers keep just your public key.

Does bunq Denmark support business accounts?

Yes. Both personal and business bunq account types are supported, with consent valid for up to 180 days.

Start at open-banking.io.