Openbank API Access — Open Banking for Spain

Openbank is Santander's fully digital bank in Spain, and open-banking.io gives you a clean, standards-based route to its account and transaction data. Whether you run a business or a personal account, you can bring Openbank into a single dashboard without certificates, eIDAS hardware, or a bank-specific integration project. open-banking.io covers 2,600+ European banks under PSD2, and Openbank (BIC OPENESMMXXX) is one of them, with both business and personal account types supported.

The defining feature is privacy: open-banking.io is zero-knowledge. Encryption keys are generated on your own device, and every piece of data you retrieve is decrypted locally with a key only you hold. The service's servers store your public key only — they never see your readable balances or transactions.

How to connect Openbank

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 your encryption passphrase. Your keys are created locally on your device at this moment.
  2. In the dashboard, choose Openbank and select the account type you need (business or personal).
  3. You are redirected to Openbank's own secure login, where you approve access under PSD2 consent.
  4. Your accounts sync back into your dashboard, ready to view.

Openbank grants consent for up to 180 days, after which you simply repeat the approval to keep the connection live.

Access your data

Reading Openbank data programmatically is an optional developer step that comes 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 authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key, the data stays unreadable, which is exactly what zero-knowledge means in practice.

Does connecting Openbank require a certificate?

No. open-banking.io is certificate-free. You approve access on Openbank's own login screen — no eIDAS certificate or special hardware needed.

Can open-banking.io read my Openbank transactions?

No. The platform is zero-knowledge and holds only your public key. Data is decrypted on your device with a key only you control.

How much does it cost?

Around EUR 3 per month for full access across every supported bank, including Openbank.

Ready to start? Visit open-banking.io to connect Openbank.