Triodos Bank (Spain) API Access & Open Banking

Triodos Bank is Spain's best-known ethical bank, and its account data is fully reachable through open-banking.io — a certificate-free PSD2 service that already covers 2,600+ European banks. Whether you run cashflow reports for a business account or simply want your personal transactions in one place, open-banking.io gives you standardised, machine-readable access to Triodos Bank (BIC TRIOES21) without touching an eIDAS certificate or building a bank integration yourself.

What makes it different is the trust model. Your data is encrypted with a key generated on your own device and decrypted only there. open-banking.io stores nothing it can read — it holds your public key alone, so the service is genuinely zero-knowledge. Access to both business and personal accounts is covered, and each consent you approve stays valid for up to 180 days before Triodos Bank asks you to renew it.

How to connect Triodos Bank

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

  1. Sign up for open-banking.io and set your encryption passphrase; your keys are created locally on your device.
  2. In the dashboard, choose Triodos Bank (Spain) and select the account type you want — business or personal.
  3. You're redirected to Triodos Bank's own secure login, where you authenticate and approve access under PSD2 consent.
  4. Control returns to your dashboard and your accounts begin syncing automatically.

Your credentials only ever go to Triodos Bank directly — open-banking.io never sees them.

Access your data

Once a connection exists, developers can optionally read it 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 authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key an API key alone returns only ciphertext — which is exactly the point.

All of this runs for around EUR 3/month.

Do I need an eIDAS certificate for Triodos Bank?

No. open-banking.io is certificate-free — you approve access on Triodos Bank's own consent screen, nothing more.

Can open-banking.io read my Triodos Bank data?

No. It stores only your public key; decryption happens on your device, so the service can never see your transactions.

How often do I re-authorise?

Triodos Bank consent lasts up to 180 days, after which you re-approve access in the dashboard.

Start connecting Triodos Bank at open-banking.io.