HSBC Spain Open Banking & API Access Explained

Reaching HSBC (Spain) business account data no longer means wrestling with bank certificates or a bespoke PSD2 gateway. open-banking.io links to HSBC on your behalf and lets you view balances and transactions from a single dashboard, then read the same data programmatically if you want to. Everything is decrypted on your own device with a key only you hold, so the service itself never sees your figures.

HSBC (Spain) uses BIC HBUKGB4BXXX and, through open-banking.io, supports business accounts with a maximum consent window of 180 days before you re-authorise.

How to connect HSBC

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

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your keys are generated locally on your device; the servers only ever store your public key.
  3. In the dashboard, pick HSBC (Spain) and choose the business account type.
  4. You are redirected to HSBC's own secure login, where you approve access under PSD2 consent.
  5. Once HSBC confirms, your accounts sync back into your dashboard automatically.

That consent stays valid for up to 180 days, after which you simply repeat the approval on HSBC's screen.

Access your data

Reading HSBC data in code is an optional step you take after connecting. On the Developers page, create an API key and export a credentials.json — this 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 directly.

Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, nothing is readable. There is no connect command; the CLI and SDK read and sync existing connections only.

FAQ

Do I need a certificate or eIDAS setup for HSBC?

No. open-banking.io is certificate-free. You approve access on HSBC's own consent screen and never handle bank certificates.

Can open-banking.io staff read my HSBC transactions?

No. The platform is zero-knowledge and holds only your public key. Decryption happens on your device.

What does it cost?

Around EUR 3 per month for access to HSBC and 2,600+ other EU/UK banks.

Start connecting HSBC at open-banking.io.