Laboral Kutxa API Access & Open Banking Data

Laboral Kutxa is a Basque cooperative bank, and open-banking.io lets you reach its account and transaction data without certificates, eIDAS registration or a PSD2 licence of your own. You link the bank once in a browser dashboard, and everything you retrieve afterwards is decrypted on your own machine with a key that never leaves your device. Whether the account is business or personal, the same flow applies, and the underlying BIC is CLPEES2MXXX.

How to connect Laboral Kutxa

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 open-banking.io and set an encryption passphrase. Your key pair is generated locally, so only your public key ever reaches the service.
  2. In the dashboard, choose Laboral Kutxa from the bank list and pick the account type you hold — business or personal.
  3. You are redirected to Laboral Kutxa's own secure login, where you approve the access under PSD2 consent. open-banking.io never sees your banking credentials.
  4. Your accounts sync straight into the dashboard. The consent lasts up to 180 days before Laboral Kutxa asks you to reauthorise.

Access your data

Reading the data programmatically is an optional developer 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 the X-Api-Key header, and each response is decrypted locally with your own key. Note there is no connect command in any of these tools — they only read and sync connections you already approved in the dashboard.

Because open-banking.io is zero-knowledge, its servers hold only your public key and store your data as ciphertext. An API key on its own returns nothing readable — without your private key you get encrypted bytes. Access to 2,600+ EU and UK banks runs at roughly EUR 3/month.

Do I need an eIDAS certificate for Laboral Kutxa?

No. open-banking.io is certificate-free. You approve access on Laboral Kutxa's own consent screen and never handle QWAC/QSEAL certificates.

Can open-banking.io read my Laboral Kutxa transactions?

No. Data is encrypted with keys generated on your device. The service stores only your public key, so it can never decrypt what it holds.

Up to 180 days. After that Laboral Kutxa prompts you to reauthorise the connection from the dashboard.

Start linking Laboral Kutxa at open-banking.io.