Qonto API Access (Spain) — Sync Your Data | open-banking.io

Qonto is a digital business bank widely used by freelancers, startups, and SMEs across Spain. With open-banking.io you can plug Qonto straight into your own software, spreadsheets, or accounting stack and keep account data flowing automatically — no scraping, no bank-side certificates, and no separate integration project for every institution.

Our unified API speaks to Qonto (BIC QNTOESB2XXX) the same way it speaks to 2,600+ other European banks, so one integration covers your entire banking footprint.

How to connect Qonto

  1. Create an open-banking.io account and grab your API key.
  2. Call the endpoint and select Qonto (Spain) from the institution list.
  3. Approve the secure consent screen with your Qonto credentials via the bank's own login flow.
  4. Receive an access token and start pulling account data immediately.
  5. Refresh the connection before consent expires to keep the sync uninterrupted.

What data you can access

  • Accounts — identifiers and metadata for both business and personal Qonto accounts.
  • Balances — current and available balances, updated on demand.
  • Transactions — historical and incoming movements with counterparties, amounts, dates, and references.

Qonto supports both business and personal account types through open-banking.io. A single authorisation stays valid for up to 180 days, the maximum consent window under PSD2, so end users re-authenticate roughly twice a year rather than every session.

Privacy by design

open-banking.io is zero-knowledge: we relay data between you and Qonto without warehousing your customers' financial records. The setup is also certificate-free — there are no eIDAS QWAC/QSEAL certificates for you to buy, install, or renew. You integrate once and we handle the regulated plumbing underneath.

Pricing

Access starts at around EUR 3 per month, with the full 2,600+ bank network included. No per-bank fees, no enterprise minimums to get going.

Is Qonto business and personal data both supported?

Yes. open-banking.io connects to both business and personal Qonto accounts, exposing accounts, balances, and transactions through the same endpoints.

Do I need special certificates to connect Qonto?

No. The service is certificate-free — you skip the eIDAS certificate process entirely and authenticate through Qonto's standard consent flow.

How often do users re-authorise?

Qonto consent lasts up to 180 days. After that, the account holder simply re-approves access to continue syncing.

Ready to start? Explore the docs and get your key at https://open-banking.io.