Openbank API Access for Spanish Account Data Sync

Openbank, the Madrid-based digital bank, exposes its data through Europe's PSD2 open-banking framework — and open-banking.io lets you tap into it without wrestling with eIDAS certificates or per-bank onboarding. With a single integration you can pull live Openbank account information into your own product, dashboard, or reconciliation workflow, alongside 2,600+ other institutions across the EU and UK.

Whether you run a fintech app, an accounting platform, or an internal finance tool, syncing Openbank data becomes a matter of a few API calls rather than a bespoke banking project.

How to connect Openbank

1. Create your open-banking.io account and grab an API key.
2. Call the endpoint that lists supported banks and select Openbank (BIC OPENESMMXXX).
3. Redirect the account holder to Openbank's secure login to grant consent.
4. Receive the authorization token and begin requesting data.
5. Refresh the consent before its 180-day limit to keep the connection live.

What data you can access

Once a customer has authorised the link, the API returns:

• Accounts — both personal and business account details held at Openbank.
• Balances — current and available figures, updated on demand.
• Transactions — historical and recent movements with counterparty and reference fields.

Consent and coverage

Openbank supports business and personal account types through the connection. Each user authorisation is valid for a maximum consent window of 180 days, after which the customer simply re-approves access. Coverage spans the full open-banking.io network of over 2,600 banks, so Openbank sits alongside every other institution your users may hold accounts with.

Privacy by design

our architecture is zero-knowledge: credentials are entered directly with Openbank and never touch our servers, and we hold no readable copy of your users' financial data. Because the platform is certificate-free, you skip the QWAC/QSEAL certificate procurement that normally gates PSD2 access.

Pricing

Access starts at roughly EUR 3 per month — a flat, predictable cost that covers Openbank and the entire bank catalogue, with no setup fees or long contracts.

FAQ

Do I need an eIDAS certificate to reach Openbank?

No. open-banking.io handles the regulatory plumbing, so you connect to Openbank with an API key alone.

Can I access business Openbank accounts?

Yes. Both business and personal Openbank account types are available through the same interface.

How often must consent be renewed?

Openbank permits consent windows of up to 180 days; after that, the account holder re-authorises in seconds.

Ready to start? Explore the docs and connect Openbank today at open-banking.io.