ING Spain API Access & Open Banking Made Simple

Reaching your ING (Spain) account data no longer means wrestling with eIDAS certificates, sandbox registrations, or bank-specific PSD2 paperwork. open-banking.io gives you a single, unified way to view and export your ING balances and transactions — covering both business and personal accounts under BIC INGDESMMXXX — alongside 2,600+ other EU and UK banks. Everything is encrypted on your own device with a key that never leaves it, so only you can read what comes back.

How to connect ING

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

  1. Sign up for open-banking.io and open the web dashboard.
  2. Set an encryption passphrase. Your cryptographic keys are generated locally on your device at this moment; open-banking.io only ever sees your public key.
  3. Pick ING from the bank list in the dashboard and choose the account type — business or personal.
  4. Approve on ING's own screen. You are redirected to ING's secure login to grant PSD2 consent directly with the bank. open-banking.io never sees your ING credentials.
  5. Your ING accounts sync into the dashboard. Consent lasts up to 180 days, after which you simply re-approve.

Access your data

Once ING is connected, reading it programmatically is an optional developer step. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and because open-banking.io is zero-knowledge, every response is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key, there is nothing readable to see.

All of this runs for around EUR 3/month, with no certificates and no bank onboarding hoops.

Do I need a developer account to connect ING?

No. Connecting and viewing ING accounts is done in the dashboard. The API key and CLI are only for optional programmatic access afterward.

Can open-banking.io read my ING transactions?

No. It holds only your public key. Data is encrypted for you and decrypted locally, so the service can never read your balances or transactions.

Up to 180 days per PSD2 rules. When it expires, re-approve ING through the dashboard in a few clicks.

Start accessing your ING data at open-banking.io.