bunq Finland API Access & Open Banking Data

bunq is the Amsterdam-born neobank that reaches Finnish customers with mobile-first current accounts and instant payments. With open-banking.io you can pull your bunq (Finland) balances and transaction history into one place — and, if you write code, query them programmatically without ever handing your data to a middleman.

open-banking.io is a zero-knowledge, certificate-free gateway to 2,600+ banks across the EU and UK. There are no eIDAS certificates to buy and no PSD2 licence to maintain: every response is decrypted locally with a key that only you hold. For roughly EUR 3/month you get standardised access to both personal and business bunq accounts.

How to connect bunq

Connecting happens entirely inside 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 nobody else can read what comes back.
  2. In the dashboard, pick bunq (Finland) and choose the account type you need — personal or business.
  3. You are redirected to bunq's own secure login to approve access under PSD2. You authenticate directly with bunq; open-banking.io never sees your credentials.
  4. Once approved, your accounts sync into the dashboard. A single consent stays valid for up to 180 days before bunq asks you to re-approve.

Access your data

After your bunq connection is live, developers can optionally read it in code. Open 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 each response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key the payload stays unreadable, which is what keeps the service zero-knowledge.

FAQ

Does bunq (Finland) have a BIC on open-banking.io?

No BIC is listed for this connection — you simply select bunq (Finland) by name in the dashboard when connecting.

Can I connect both personal and business bunq accounts?

Yes. Both personal and business account types are supported. Choose the one you want during the dashboard connect flow, or add each separately.

How often do I need to reconnect?

Each bunq consent lasts up to 180 days. When it expires, reconnect through the dashboard and re-approve on bunq's own login screen to keep your data syncing.

Ready to start? Connect bunq at open-banking.io.