American Express France: API & Open Banking Access

open-banking.io gives you a certificate-free way to reach your American Express (France) account data across the EU and UK. Instead of chasing bespoke card integrations, you connect once through a single dashboard that covers 2,600+ banks and card issuers — and every byte of your financial data is decrypted on your own device with a key only you hold.

American Express in France (BIC AECFFR21XXX) is supported for both business and personal account types, with a PSD2 consent that stays valid for up to 180 days before you renew it.

How to connect American Express

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 locally on your device, so open-banking.io only ever sees your public key.
  2. In the dashboard, search for American Express and choose the account type you need — business or personal.
  3. You're redirected to American Express's own secure login, where you approve access under PSD2. Your credentials are entered only on Amex's page, never on ours.
  4. Once approved, your accounts sync back into your dashboard and stay refreshed for the life of the 180-day consent.

Access your data

Reading your data programmatically is an optional developer step that comes after the connection above is live. Open the Developers page, create an API key, and export a credentials.json — this bundles your API key together with your private decryption key.

From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read or sync connections you've already made — they never create them.

This is what zero-knowledge means in practice: open-banking.io's servers store only ciphertext and your public key, so nobody but you can read your American Express transactions. All for roughly EUR 3/month.

FAQ

Can I connect American Express with an API key?

No. Connections are made in the dashboard by approving access on American Express's own login screen. API keys only come into play later, for reading data you've already connected.

What does an API key return on its own?

Without your private decryption key, the API returns only encrypted ciphertext. Real, readable data requires the private key held in your credentials.json.

Up to 180 days per PSD2 rules, after which you re-approve access from the dashboard.

Ready to start? Visit open-banking.io.