Pleo Finland: Open Banking & API Access Guide

Pleo is a spend-management platform that issues company cards and current accounts, and its Finnish customers can bring that account data into their own tools through open-banking.io. Rather than wrestling with eIDAS certificates or a bespoke PSD2 gateway, you link Pleo once in a web dashboard and, if you want, read the balances and transactions programmatically afterwards.

Pleo (Finland) operates under BIC PLEODKK2 and supports both business and personal account types. Consent granted through the open-banking.io flow stays valid for up to 180 days, after which you simply re-approve to keep the sync running.

How to connect Pleo

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code snippet or key involved at this stage.

  1. Sign up for open-banking.io and set an encryption passphrase. Your cryptographic keys are generated locally on your own device; the service only ever holds your public key.
  2. Open the dashboard, search for Pleo and choose the account type you want to link (business or personal).
  3. You are redirected to Pleo's own secure login, where you approve access under PSD2. open-banking.io never sees your Pleo credentials.
  4. Once approved, your Pleo accounts and transactions sync straight into your dashboard, ready to view.

Access your data

Reading Pleo data programmatically is an optional step that comes after the connection exists. From the Developers page, create an API key and export a credentials.json file — it bundles the API key together with your private decryption key.

With that in place you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries your key in the X-Api-Key header, and each response is decrypted locally on your machine using your private key. The CLI and SDK only read and sync connections you have already made — they cannot establish a new one.

Because the platform is zero-knowledge, its servers store ciphertext they cannot read. That privacy model, plus no certificate paperwork and access to 2,600+ EU/UK banks, comes in at roughly EUR 3/month.

Can I connect Pleo with just an API key?

No. Connecting always goes through the dashboard and Pleo's consent screen. An API key alone returns only encrypted data without your private decryption key.

Does open-banking.io see my Pleo transactions?

No. Data is decrypted on your device with a key only you hold; the servers keep just your public key.

How long does Pleo access last?

Up to 180 days per consent, then you re-approve on Pleo's login screen.

Ready to begin? Start at open-banking.io.