bunq API Access (Estonia) — Open Banking Connect

Looking to pull your bunq account data into your own app, spreadsheet, or accounting stack? open-banking.io gives you a single, standardized gateway to bunq customers in Estonia — no scraping, no bank-specific certificates, and no eIDAS setup on your side. Whether you bank with bunq personally or run a business account, one integration lets you read live financial data securely.

bunq is a mobile-first European bank operating across the EEA, including Estonia. Through our unified API you connect once and start syncing without wrestling with individual PSD2 sandboxes.

How to connect bunq

  1. Sign up for an open-banking.io account and grab your API key.
  2. Send your user to the bunq authorization screen from your app.
  3. The account holder logs in and approves access inside bunq's own environment.
  4. Receive a secure token and begin fetching data through our REST endpoints.

What data you can access

  • Accounts — personal and business account details and identifiers
  • Balances — current and available balances in real time
  • Transactions — historical and incoming movements with counterparties, amounts, and dates

bunq consent under PSD2 lasts up to 180 days before the user must re-authorize, giving you long-running access without constant reconnection prompts. open-banking.io reaches 2,600+ banks across the EU and UK, so bunq can sit alongside every other institution your users hold. Note that bunq does not expose a standard BIC through this channel.

Privacy by design

We run a zero-knowledge model: credentials are never seen or stored by us, and the flow is entirely certificate-free — you don't manage QWAC/QSEAL certificates or eIDAS onboarding. Data passes through securely and stays in your control.

Pricing

One flat plan of around EUR 3 per month covers your access — no per-call surprises, no enterprise minimums.

FAQ

Do I need a banking licence to use this?

No. open-banking.io handles the regulated PSD2 layer, so you connect to bunq without your own licence or certificates.

How long does bunq access stay active?

Up to 180 days per consent. After that, the account holder simply re-approves to continue syncing.

Can I connect both personal and business bunq accounts?

Yes. Both personal and business account types are supported through the same integration.

Ready to start? Visit open-banking.io to connect bunq today.