Kutxabank API Access & Open Banking | open-banking.io

Reaching your Kutxabank data no longer means wrestling with eIDAS certificates or a PSD2 sandbox. open-banking.io gives you a single, certificate-free path to Kutxabank across the EU and UK, covering both business and personal accounts. Everything is encrypted end to end, and the decryption key stays on your own device — so you see clear data while our servers only ever hold ciphertext.

Kutxabank is identified by BIC BASKES2BXXX. A single access consent lasts up to 180 days before Kutxabank asks you to re-approve, keeping you in control of how long the link stays live.

How to connect Kutxabank

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your device, so nobody else can derive them.
  2. In the dashboard, pick Kutxabank from the bank list and choose the account type you want to link — business or personal.
  3. You are redirected to Kutxabank's own secure login, where you approve access under PSD2. Your credentials are entered only on the bank's page, never with us.
  4. Once approved, your Kutxabank accounts and transactions sync straight into your dashboard, ready to view.

Access your data

Programmatic access is an optional step you take after the connection exists. Open 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 your X-Api-Key header, and each response is decrypted locally with your own key. Note that the API key alone only returns ciphertext — without your private key there is nothing readable to see. The CLI and SDK read and refresh existing links; they never create the Kutxabank connection itself.

At roughly EUR 3/month across 2,600+ supported banks, it is a low-cost way to keep Kutxabank data flowing into your tools with genuine zero-knowledge privacy.

Do I need an eIDAS certificate for Kutxabank?

No. open-banking.io is certificate-free — you approve access on Kutxabank's own login screen and skip the certificate paperwork entirely.

Can open-banking.io read my Kutxabank transactions?

No. The service is zero-knowledge and stores only your public key, so data is decrypted on your device with a key only you hold.

How long does a Kutxabank connection stay active?

Up to 180 days per consent. After that, Kutxabank prompts you to re-approve to continue syncing.

Ready to start? Visit open-banking.io.