bunq API Access in Spain | Open Banking Connection

Looking to pull your bunq data into your own tools? open-banking.io gives you a clean, reliable way to read your Spanish bunq accounts programmatically. Whether you run personal budgeting scripts or manage business cash flow, our API lets you sync balances and transaction history without wrestling with eIDAS certificates or bank-specific onboarding paperwork.

bunq operates across the EU as a licensed digital bank, and in Spain it settles under the BIC BUNQESM2XXX. Through open-banking.io you connect once and read continuously, using the same PSD2 rails the bank exposes to regulated third parties — but without the usual integration overhead.

How to connect bunq

  1. Create an open-banking.io account and generate your API key.
  2. Select bunq (Spain) from the supported institution list.
  3. Authorise access in bunq's own app — you approve the scope directly with the bank.
  4. Receive the consent token and start making requests from your code.

What data you can access

  • Accounts — details for your personal and business bunq accounts
  • Balances — current and available amounts, refreshed on demand
  • Transactions — booked and pending entries with counterparties and references

Each authorisation lasts up to 180 days, the maximum consent window bunq permits, after which you simply re-approve. open-banking.io covers 2,600+ banks across the EU and UK, so bunq can sit alongside every other institution you connect under a single integration.

Privacy by design

We run a zero-knowledge architecture: your credentials stay between you and bunq, and we never hold them. The whole flow is certificate-free, so there are no QWAC or QSEAL certificates to buy, renew, or manage. You keep control of your data at every step.

Pricing

Flat and predictable at around EUR 3/month — no per-call surprises, no enterprise contracts. One subscription unlocks bunq alongside the full network.

FAQ

Does connecting affect my bunq app?

No. open-banking.io reads data through the bank's PSD2 interface; your bunq app, cards, and payments keep working exactly as before.

Can I connect both personal and business accounts?

Yes. bunq exposes personal and business account types, and both are available to read once you grant consent.

What happens after 180 days?

Consent expires at the 180-day limit set by bunq. You reauthorise in seconds through the bank's app to keep your sync active.

Ready to start? Head to open-banking.io and connect your bunq accounts today.