Optima bank API Access & Open Banking Integration

Pulling your Optima bank balances and transactions into one place shouldn't mean juggling eIDAS certificates, PSD2 sandboxes or a bank-by-bank developer onboarding. open-banking.io reaches Optima bank (BIC IBOGGRAA) as one of 2,600+ EU and UK institutions, covering both business and personal accounts. What makes it different is where the decryption happens: your data is unlocked on your own device with a key nobody else — not even open-banking.io — ever holds.

Because the platform is zero-knowledge and certificate-free, there's nothing to install on a server and no PSD2 licence to obtain. You authorise once, and Optima bank keeps the connection live for the full 180-day consent window before a simple re-approval.

How to connect Optima bank

Connecting happens entirely in 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 open the dashboard.
  2. Set your encryption passphrase. Your key pair is generated locally on your device; the service only ever sees your public key.
  3. Pick Optima bank from the bank list and choose the account type — business or personal.
  4. You're redirected to Optima bank's own secure login, where you approve access under PSD2 — exactly as you would signing into your own online banking.
  5. Once approved, your accounts sync back into the dashboard, ready to view.

That's the whole flow. No developer redirect, no manual token handling — the account holder always approves directly with the bank.

Access your data

After Optima bank is connected, developers can optionally read it programmatically. On the Developers page, create an API key and export a credentials.json — this bundles the API key plus 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 each response is decrypted locally with your own key. Note there is no connect command: the CLI and SDK only read and sync connections you've already made in the dashboard.

All of this runs at roughly EUR 3/month.

Do I need a PSD2 certificate to access Optima bank?

No. open-banking.io is certificate-free — you approve access on Optima bank's own login screen and the platform handles the rest.

Can open-banking.io read my Optima bank data?

No. It's zero-knowledge and holds only your public key. Decryption happens on your device with a private key only you possess.

What if someone gets my API key?

An API key alone returns only ciphertext. Without your private decryption key, the data stays unreadable.

Start connecting Optima bank at open-banking.io.