Lunar API Access & Open Banking Connection Guide

Lunar is a Danish digital bank (BIC LUNADK22XXX) serving both personal and business customers. With open-banking.io you can pull your Lunar balances and transaction history into one place and, if you build software, read that data programmatically — all without certificates, without a bank sponsorship, and without ever handing your data to a third party in readable form.

Everything runs on a zero-knowledge design: your encryption keys are generated on your own device, and open-banking.io only ever holds your public key. Even we cannot see inside your accounts.

How to connect Lunar

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your private key is created locally and never leaves your device.
  2. In the dashboard, search for Lunar and choose the account type you hold — personal or business.
  3. You are redirected to Lunar's own secure login, where you approve access under PSD2. You authenticate directly with Lunar; open-banking.io never sees your credentials.
  4. Your Lunar accounts sync back into the dashboard, ready to view. The consent you grant lasts up to 180 days, after which you simply re-approve on Lunar's screen.

Access your data

Once Lunar is connected, reading the data in code is an optional developer step. Open the Developers page, create an API key, and export a credentials.json — this bundles your 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, nobody (including our servers) can turn it into readable data.

All of this runs for roughly EUR 3/month, with no per-connection or certificate fees.

Do I connect Lunar with an API key?

No. Connecting is done in the dashboard by approving access on Lunar's own login screen. API keys are only for reading data after the connection exists.

Can open-banking.io read my Lunar transactions?

No. The service is zero-knowledge and holds only your public key. Decryption happens on your device with a key only you control.

Up to 180 days per PSD2 rules. When it expires, re-approve access on Lunar's screen from the dashboard.

Ready to start? Visit open-banking.io.