Pleo Open Banking & API Access — open-banking.io

Pleo is a spend-management and business account platform, and if you hold a Pleo account you can bring its balances and transactions into open-banking.io — a certificate-free way to reach your own financial data across 2,600+ EU and UK institutions. No eIDAS certificate, no regulatory onboarding, no bank-specific integration work: you authenticate once through Pleo and your data flows into an encrypted dashboard that only you can unlock.

open-banking.io is zero-knowledge by design. Your encryption keys are generated on your own device from a passphrase you choose, and the service only ever stores your public key. That means Pleo transactions are decrypted locally, on your machine — the platform itself can never read them.

How to connect Pleo

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

  1. Sign up and set your encryption passphrase; your private key is created locally and never leaves your device.
  2. In the dashboard, search for Pleo and choose your account type — both business and personal access are supported (BIC PLEODKK2).
  3. You are redirected to Pleo's own secure login to approve access under PSD2. Consent lasts up to 180 days, after which you simply re-approve.
  4. Your selected accounts sync back into the dashboard, ready to view.

Access your data

Reading Pleo data programmatically is an optional step you take after connecting. On the Developers page, create an API key and download a credentials.json — this bundles the API key together with your private decryption key. From there you can 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 every response is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key, no one, including open-banking.io, can make sense of it. The CLI and SDK read and refresh existing connections; they never establish new ones.

All of this runs for roughly EUR 3/month.

Does open-banking.io store my Pleo credentials?

No. You log in on Pleo's own consent screen, and open-banking.io holds only your public key — it cannot decrypt your data.

Can I connect Pleo with the CLI or an API key?

No. Connecting always happens in the dashboard via Pleo's login. The CLI and API only read data from connections you have already approved.

How long does access last?

Up to 180 days per consent. When it expires, re-approve Pleo in the dashboard to keep syncing.

Get started at open-banking.io.