Fortuneo API Access & Open Banking Data | open-banking.io

Fortuneo is a French online bank, and open-banking.io gives you a certificate-free way to reach its data. Instead of chasing sandbox credentials or eIDAS certificates, you link your Fortuneo account once and read balances and transactions on your own terms. Fortuneo is reachable under BIC FTNOFRP1XXX, with support for personal account types and a PSD2 consent window of up to 180 days before you re-approve.

The defining trait is privacy. open-banking.io is zero-knowledge: your encryption keys are generated on your own device, and the service only ever holds your public key. Every figure that reaches you is decrypted locally, so no server — not even open-banking.io — can read your Fortuneo balances.

How to connect Fortuneo

Connecting happens entirely in the open-banking.io dashboard, not through any API call or code:

  1. Sign up for open-banking.io and set an encryption passphrase. Your private key is created locally at this step and never leaves your device.
  2. In the dashboard, pick Fortuneo from the bank list and choose the personal account type.
  3. You are redirected to Fortuneo's own secure login, where you approve access under PSD2 (valid for up to 180 days).
  4. Your Fortuneo accounts sync straight into your dashboard, ready to view.

There is no API key, no developer redirect, and no code involved in linking — the account holder always approves on Fortuneo's own screen.

Access your data

Reading Fortuneo data programmatically is an optional step you take after connecting. 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. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your key. An API key on its own only ever returns ciphertext.

All of this runs at roughly EUR 3/month.

Do I need an eIDAS certificate for Fortuneo?

No. open-banking.io is certificate-free — you approve access on Fortuneo's login page and skip the regulated-provider paperwork entirely.

Can open-banking.io see my Fortuneo transactions?

No. The service holds only your public key. Your data is decrypted on your device, so the servers store ciphertext they cannot read.

Up to 180 days. After that, you simply re-approve access on Fortuneo's secure login to keep syncing.

Ready to start? Visit open-banking.io to link Fortuneo.