Pleo Spain: Open Banking & API Access to Your Data

Pleo helps Spanish teams manage company spending, cards and expenses — and open-banking.io lets you pull that account data into one private place under your own control. Instead of building against a raw PSD2 gateway or juggling certificates, you connect Pleo once in a web dashboard and read the results locally. open-banking.io reaches 2,600+ banks across the EU and UK, and Pleo (BIC PLEODKK2) is one of them, covering both business and personal account types with consent valid for up to 180 days before you re-approve.

The defining trait is privacy: it is zero-knowledge and certificate-free. Your encryption keys are generated on your own device, and the service only ever holds your public key — so nobody at open-banking.io can read or decrypt what syncs.

How to connect Pleo

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

  1. Sign up and set an encryption passphrase. Your private key is created locally, on your device.
  2. In the dashboard, choose Pleo and select the account type you want (business or personal).
  3. You are redirected to Pleo's own secure login, where you approve access under PSD2.
  4. Once approved, your Pleo accounts and transactions sync into your dashboard.

That consent lasts up to 180 days, after which you simply repeat the approval on Pleo's screen.

Access your data

Reading Pleo data programmatically is an optional developer step, done after connecting. On 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key by itself only returns ciphertext — without your private key, the data stays unreadable.

All of this runs on a flat plan of roughly EUR 3/month.

Do I need a developer certificate for Pleo?

No. open-banking.io is certificate-free — you approve access on Pleo's login page, nothing more.

Can open-banking.io see my Pleo transactions?

No. It stores only your public key. Decryption happens on your device with a private key only you hold.

Is there a connect command in the CLI?

No. The CLI and SDK only read and sync existing connections. Connecting Pleo is always done in the dashboard.

Start at open-banking.io.