Arkea Banking Services API Access & Open Banking

Arkea Banking Services (France) provides account infrastructure for both business and personal customers, and open-banking.io lets you reach that data without wrestling with eIDAS certificates or PSD2 onboarding paperwork. You link the bank once in a web dashboard, and from then on your balances and transactions sync into a single place — encrypted end to end, decrypted only on your own device with a key nobody else holds.

How to connect Arkea Banking Services

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 cryptographic keys are generated locally on your device, so open-banking.io only ever stores your public key.
  2. In the dashboard, pick Arkea Banking Services and choose your account type — business or personal.
  3. You are redirected to Arkea Banking Services's own secure login, where you approve access under PSD2. Consent can run for up to 180 days before you renew it.
  4. Your accounts then sync back into the dashboard, ready to view.

Because approval takes place on the bank's screen, your credentials are never seen by open-banking.io.

Access your data

Reading the data programmatically is an optional step for developers, and only after a connection exists. 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own returns only ciphertext.

Arkea Banking Services has no published BIC here, so selection is by name in the dashboard. Pricing is roughly EUR 3/month.

Is my Arkea Banking Services data readable by open-banking.io?

No. The service is zero-knowledge and holds only your public key, so it cannot decrypt anything you sync.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free; you approve access directly on the bank's consent screen.

How do I connect without writing code?

Everything is done in the dashboard — sign up, pick Arkea Banking Services, and approve on the bank's login. The CLI and SDK only read connections that already exist.

Start at open-banking.io.