ING Wholesale Banking (Spain) API Access & Open Banking

Corporate treasury teams working with ING Wholesale Banking in Spain can bring their account data into one private, encrypted workspace with open-banking.io. Instead of wrestling with eIDAS certificates or a bespoke bank integration, you connect ING Wholesale Banking through a guided consent flow and keep full control of the encryption keys that unlock your data.

open-banking.io covers 2,600+ banks across the EU and UK and is built to be zero-knowledge: your ING Wholesale Banking data is decrypted locally on your own device with a key only you hold. Our servers only ever store your public key, so nobody at open-banking.io — and no third party — can read your balances or transactions.

How to connect ING Wholesale Banking

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated on your device at this step.
  2. In the dashboard, search for and select ING Wholesale Banking (Spain) and choose the business account type.
  3. You are redirected to ING Wholesale Banking's own secure login, where you approve access under PSD2. open-banking.io never sees your banking credentials.
  4. Once approved, your accounts sync back into the dashboard automatically.

Consent can run for up to 180 days before ING Wholesale Banking asks you to re-authorise, and no BIC is required to set the connection up.

Access your data

Reading the data programmatically is an optional developer step you take after the bank is connected. 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 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 every response is decrypted locally with your own key. Without that private key an API key alone returns only ciphertext — proof the design stays zero-knowledge end to end.

All of this is included for around EUR 3/month, with no certificate paperwork.

Do I need an eIDAS certificate for ING Wholesale Banking?

No. open-banking.io is certificate-free — you authorise access directly on ING Wholesale Banking's consent screen.

Can open-banking.io read my ING Wholesale Banking data?

No. Data is decrypted only on your device with your key. Our servers hold just your public key.

Which accounts can I connect?

ING Wholesale Banking in Spain is supported for business accounts, with consent lasting up to 180 days.

Start at https://open-banking.io.