Arquia Bank API Access & Open Banking | open-banking.io
Arquia Bank (Arquia Banca) serves architects, professionals and businesses across Spain, and with open-banking.io you can bring its account data into one private dashboard without wrestling with eIDAS certificates or PSD2 developer onboarding. open-banking.io links to more than 2,600 European and UK banks and keeps the whole flow certificate-free. What makes it different is the trust model: your data is encrypted and only ever decrypted on your own device with a key that never leaves it, so nobody — not even open-banking.io — can read your Arquia Bank balances or transactions.
How to connect Arquia Bank
Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code or key involved in this step.
- Sign up for an open-banking.io account.
- Set an encryption passphrase. Your private keys are generated locally on your device at this moment.
- In the dashboard, search for and select Arquia Bank, then choose the account type you want to link — business or personal.
- You are redirected to Arquia Bank's own secure login, where you approve access under PSD2. Your credentials go only to the bank.
- Once you confirm consent, your accounts sync back into your dashboard, ready to view.
Arquia Bank grants a maximum consent window of 180 days, after which you simply repeat the approval to keep data flowing.
Access your data
After your Arquia Bank accounts are connected, developers can optionally read them programmatically. Open the Developers page, create an API key, and export a credentials.json file — it 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key the data stays unreadable, which is the heart of the zero-knowledge design.
All of this runs for around EUR 3 per month.
Is my Arquia Bank login shared with open-banking.io?
No. You authenticate directly on Arquia Bank's own consent screen. open-banking.io only holds your public key and encrypted data.
Which Arquia Bank accounts can I connect?
Both business and personal accounts are supported, identified by BIC CASDESBBXXX.
Do I need a CLI or API key to connect?
No. Connecting is a dashboard-only step. The CLI, SDK and API are optional tools for reading existing connections afterward.
Start at open-banking.io.