Qonto Open Banking API Access — Sync & Export Data

Qonto is the French business-finance platform used by freelancers, startups and SMEs across Europe. If you want your Qonto balances and transactions available outside the Qonto app — in a spreadsheet, a bookkeeping tool or your own code — open-banking.io gives you a single, private route to that data without chasing a bank certificate or a corporate API contract.

open-banking.io is a zero-knowledge, certificate-free open-banking service covering 2,600+ EU and UK banks. Your Qonto data is encrypted the moment it arrives and can only be decrypted on your own device with a key that never leaves it. The servers hold your public key alone, so nobody at open-banking.io — or anywhere else — can read your accounts.

How to connect Qonto

Connecting happens entirely in the open-banking.io dashboard — there is no API call, no key and no code at this stage.

1. Sign up at open-banking.io and set an encryption passphrase. Your keys are generated locally on your device from that passphrase.
2. In the dashboard, choose Qonto and pick the account type you hold — business or personal.
3. You are redirected to Qonto's own secure login, where you approve access under PSD2. open-banking.io never sees your Qonto credentials.
4. Your accounts sync back into the dashboard. Under PSD2 the consent lasts up to 180 days, after which you simply re-approve on Qonto's screen.

Qonto's BIC is QNTOFRPAXXX, which the service uses to route you to the correct institution.

Access your data

Once Qonto is connected, reading it programmatically is an optional developer step. Open 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 directly.

Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. An API key on its own only ever returns ciphertext — without your key it stays unreadable, which is exactly what keeps the model zero-knowledge.

Is a bank certificate or eIDAS seal required?

No. open-banking.io is certificate-free — you approve access on Qonto's login screen and nothing else is needed.

Can open-banking.io read my Qonto transactions?

No. Data is decrypted only on your device with a key you alone hold. The service stores just your public key.

What does it cost?

Access starts at roughly EUR 3/month, covering the Qonto connection and ongoing syncing.

Ready to pull your Qonto data your way? Start at open-banking.io.