Banque Palatine Open Banking & API Access | open-banking.io

Banque Palatine serves French SMEs, business owners and private clients, and open-banking.io lets you reach that account data without touching a certificate, an eIDAS licence or a screen-scraper. It is a PSD2-based service covering 2,600+ EU and UK banks, built so that your financial data is decrypted only on your own device with a key that never leaves you. open-banking.io holds your public key alone — it can carry your ciphertext but can never read it.

Banque Palatine supports both business and personal accounts (BIC BBSPFFRPPXXX), and each authorisation you grant stays valid for up to 180 days before Banque Palatine asks you to renew it.

How to connect Banque Palatine

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 the moment you do.
  2. In the dashboard, search for and select Banque Palatine, then choose whether you are linking a business or personal account.
  3. You are redirected to Banque Palatine's own secure login, where you approve the access request (the standard PSD2 consent screen).
  4. Once approved, your Banque Palatine accounts and transactions sync back into your dashboard, refreshing within the 180-day consent window.

Access your data

Reading the data programmatically is an optional developer step you take after the account is linked. 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 every response is decrypted locally with your own key. The key alone only ever returns ciphertext — without your private key, nothing is readable. Note there is no connect command: the CLI and SDK only read and sync connections you already established in the dashboard.

Is Banque Palatine data shared with open-banking.io servers?

No. The service is zero-knowledge — it stores only your public key and can never decrypt what it relays.

Do I need a certificate or PSD2 licence?

No. Access runs through Banque Palatine's own consent screen, so no eIDAS certificate or developer onboarding is required.

What does it cost?

Around EUR 3 per month, covering Banque Palatine and every other supported bank.

Start at https://open-banking.io.