PayPal Spain API Access & Open Banking Integration

Want your PayPal (Spain) balance and transaction history somewhere you can actually use it? open-banking.io links your PayPal account through regulated PSD2 access and streams the data into a dashboard you control. There is no screen-scraping and no certificate paperwork to file — just a clean, consented connection to your own money.

PayPal supports both business and personal accounts here, and a single approval keeps your connection live for up to 180 days before you re-confirm. PayPal publishes no BIC for this integration (BIC: n/a), so there is nothing extra to look up before you start.

How to connect PayPal

Everything happens in the open-banking.io dashboard — no code required to link an account:

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally on your own device, so only you can ever unlock your data.
  2. Open the dashboard and choose PayPal (Spain) from the bank list, then pick whether you are linking a business or personal account.
  3. You are redirected to PayPal's own secure login, where you approve the access request directly on their consent screen.
  4. Once approved, your PayPal accounts sync back into your dashboard and stay updated for the life of the consent.

At no point do you paste an API key, hit an endpoint, or hand credentials to anyone but PayPal — the approval is theirs to grant.

Access your data

Developers who want the data programmatically can take an optional extra step after connecting. Head to 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
  • Or call the REST API / SDK, sending your key in the X-Api-Key header

Every response is decrypted locally with your own key. The API key alone only ever returns ciphertext, because open-banking.io is zero-knowledge and holds nothing but your public key.

That privacy model — certificate-free, keys that never leave your device — comes at roughly EUR 3/month across 2,600+ EU and UK banks.

FAQ

Do I need an API key to connect PayPal?

No. Connecting is done entirely in the dashboard by approving access on PayPal's login. API keys are only for reading data afterward.

Can open-banking.io see my PayPal transactions?

No. Data is decrypted on your device with a key only you hold; the service stores only your public key and encrypted content.

How long does my PayPal connection last?

Up to 180 days per consent, for both business and personal accounts, after which you simply re-approve.

Get started at open-banking.io