bunq Spain API Access & Open Banking Integration

bunq is Europe's mobile-first challenger bank, and in Spain its accounts fall under PSD2 open-banking rules — which means you can pull your own balances and transactions into your own tools. open-banking.io makes that reach simple and private: no certificates to register, no eIDAS hoops, and no server that can ever read your figures. Your bunq data is encrypted the moment it arrives and only your device holds the key to unlock it.

With BIC BUNQESM2XXX, bunq (Spain) supports both personal and business account types through open-banking.io, and a single approval keeps your connection live for up to 180 days before you re-authorise.

How to connect bunq

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device.
  2. In the dashboard, choose bunq (Spain) and pick the account type you hold — personal or business.
  3. You're redirected to bunq's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync straight back into your dashboard, ready to view.

That's the whole flow. bunq authenticates you directly — open-banking.io never sees your banking credentials.

Access your data

Once bunq is connected, developers can optionally read it programmatically. On 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 sends the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, the data stays unreadable, even to open-banking.io. That's what zero-knowledge means in practice.

All of this runs for around EUR 3/month, across 2,600+ supported EU and UK banks.

FAQ

Do I need an eIDAS certificate to access bunq?

No. open-banking.io is certificate-free — you connect bunq through the dashboard and approve access on bunq's own login screen.

Can open-banking.io see my bunq balances?

No. Data is encrypted with a key only you hold, so the service stores just your public key and can never decrypt your figures.

How long does one bunq connection last?

Up to 180 days per consent, after which you re-approve access on bunq's secure screen.

Ready to start? Visit open-banking.io.