bunq France API Access & Open Banking Data Sync

Reaching bunq (France) account data no longer means wrestling with sandbox certificates or bespoke PSD2 onboarding. open-banking.io gives you a single, certificate-free path to your bunq balances and transactions, covering both personal and business accounts under BIC BUNQFRP2XXX. Everything is encrypted end to end: your data is decrypted on your own device with a key that only you hold, and open-banking.io's servers never see anything but ciphertext.

Whether you want a tidy dashboard view of your bunq finances or a programmatic feed for your own tooling, the flow starts the same way — in the browser, not the terminal.

How to connect bunq

Connecting happens entirely inside the open-banking.io dashboard:

  1. Sign up for an open-banking.io account.
  2. Set your encryption passphrase — your cryptographic keys are generated locally on your device, so nobody else can reconstruct them.
  3. In the dashboard, pick bunq and choose the account type you hold (personal or business).
  4. You're redirected to bunq's own secure login, where you approve access under PSD2 consent.
  5. Your bunq accounts sync back into your dashboard automatically.

There is no API key, no code, and no developer redirect in this step — the consent is granted directly on bunq's screen. Each authorisation stays valid for up to 180 days, after which you simply re-approve on bunq's login to keep the connection alive.

Access your data

Once bunq is connected, programmatic access is an optional extra for developers. Open the Developers page, create an API key, and export a credentials.json bundle — this contains both the API key and your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API.

Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, the data stays unreadable, which is exactly what zero-knowledge means in practice.

All of this runs for around EUR 3/month across 2,600+ supported banks.

Do I need developer skills to use bunq with open-banking.io?

No. Connecting bunq and viewing your accounts is entirely dashboard-driven. The CLI, SDK, and API are optional and only read connections you've already made.

Can open-banking.io read my bunq transactions?

No. The service stores only your public key. Your data is decrypted on your device, so the servers hold ciphertext they cannot open.

How long does bunq access last?

PSD2 consent for bunq is valid for up to 180 days. When it expires, re-approve on bunq's own login to renew the sync.

Ready to start? Visit open-banking.io.