Shine API Access & Open Banking Data Sync | open-banking.io
Shine is the France-based business account built for freelancers, founders and small companies, pairing a current account with invoicing, bookkeeping and admin tools. If you want that account data — balances and transactions — flowing into your own systems, open-banking.io gives you a clean, privacy-first way in. It reaches 2,600+ banks across the EU and UK, and Shine (BIC SNNNFR22XXX) is one of them.
What makes this different is the trust model. open-banking.io is zero-knowledge and certificate-free: your data is decrypted locally with a key only you hold, so there are no eIDAS certificates to chase and nothing readable ever sits on our servers. We keep only your public key.
How to connect Shine
Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code or key involved in this step.
- Sign up for an open-banking.io account.
- Set an encryption passphrase. Your encryption keys are generated right there on your own device.
- In the dashboard, pick Shine and choose the account type you need — business or personal are both supported.
- You are redirected to Shine's own secure login to approve access under PSD2. You authenticate and grant consent directly with the bank.
- Your accounts sync back into your dashboard, ready to view.
Each approval lasts up to 180 days, after which you simply re-confirm on Shine's consent screen to keep the connection live.
Access your data
Reading Shine data programmatically is an optional step you take after connecting. Open the Developers page, create an API key, and export a credentials.json — this bundles your API key together with 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 alone only ever returns ciphertext — without your private key, the data stays unreadable. Note the CLI and SDK read and sync existing connections; they never create one.
Does open-banking.io store my Shine login or data?
No. It is zero-knowledge — decryption happens on your device, and only your public key is held on our side.
Can I connect a personal Shine account?
Yes. Both business and personal account types are available when you pick Shine in the dashboard.
How much does it cost?
Around EUR 3 per month for access across all supported banks.
Start at open-banking.io.