Qonto Spain API Access & Open Banking Integration

Qonto is a European business-focused bank serving companies and freelancers in Spain, and open-banking.io lets you reach its account and transaction data without wrestling with eIDAS certificates or PSD2 sandboxes. You get read access to your Qonto balances and payment history through one dashboard, and everything is decrypted locally with a key that never leaves your device.

Under BIC QNTOESB2XXX, open-banking.io supports both business and personal Qonto account types, with consent lasting up to 180 days before you renew. It is one of 2,600+ EU and UK banks covered for around EUR 3/month.

How to connect Qonto

Connecting happens entirely in 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 generated on your own device, so only you can later read your data.
  2. In the dashboard, choose Qonto and select whether you're linking a business or personal account.
  3. You're redirected to Qonto's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into your dashboard, ready to view.

Because you approve directly on Qonto's site, open-banking.io never touches your banking credentials.

Access your data

Once Qonto is connected, developers can optionally read the data programmatically. 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 carry the X-Api-Key header, and every response is decrypted locally with your own key. Note the CLI and SDK only read and sync existing connections; they cannot connect a bank.

This is genuine zero-knowledge design: the servers hold only your public key, so an API key alone returns ciphertext until your private key unlocks it.

FAQ

Can I connect Qonto with just an API key?

No. Connecting is a dashboard-only flow where you approve access on Qonto's consent screen. API keys are for reading data afterward.

Up to 180 days, after which you re-approve access through the dashboard to keep syncing.

Can open-banking.io read my Qonto data?

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

Ready to start? Visit open-banking.io.