SumUp Open Banking & API Access via open-banking.io

SumUp is best known for card readers and merchant payouts, and its business account (BIC SUMUIE22) holds the settlement balances Spanish sellers rely on. open-banking.io lets you reach that account under PSD2 without certificates, sandbox paperwork, or a bank-by-bank integration project. You sign up once, connect SumUp, and your balances and transactions sync into a dashboard where every field is decrypted locally — on your own device, with a key only you hold. SumUp offers business account access here, with a consent that stays valid for up to 180 days before you re-approve.

How to connect SumUp

Connecting happens entirely inside the open-banking.io dashboard — there is no endpoint to call and no key to paste.

  1. Create an open-banking.io account and set an encryption passphrase. Your key pair is generated right there in your browser; the service only ever sees your public key.
  2. In the dashboard, search for SumUp and choose the business account type.
  3. You are redirected to SumUp's own secure login, where you approve access on their consent screen (never on ours).
  4. Once SumUp confirms, your accounts appear in the dashboard and begin syncing automatically.

That PSD2 consent runs for 180 days, after which the dashboard prompts you to renew with a couple of clicks.

Access your data

Reading SumUp data programmatically is an optional step you take after the connection exists. Open the Developers page, create an API key, and export a credentials.json — a bundle of that API key plus your private decryption key. From there, use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only ever retrieves ciphertext — without your private key, nobody, including open-banking.io, can read a single figure. The CLI and SDK read and sync existing connections; they do not connect banks themselves.

All of this runs at roughly EUR 3/month, covering 2,600+ EU and UK banks under one zero-knowledge, certificate-free setup.

Is my SumUp login shared with open-banking.io?

No. You authenticate on SumUp's own page, and only the PSD2 consent token comes back.

Can I get SumUp personal accounts here?

SumUp is offered as a business account connection via open-banking.io.

How long before I re-authorise?

SumUp consent lasts up to 180 days, then the dashboard walks you through renewal.

Start at open-banking.io.