Access bunq (Croatia) Data: Open Banking & API

bunq is the Amsterdam-born mobile bank now serving customers across the EU, Croatia included. If you hold a personal or business bunq account, open-banking.io lets you pull your balances and transaction history into one place — and, if you build software, query it through a clean API. There is no certificate to buy and no eIDAS setup: open-banking.io is a zero-knowledge service, so your financial data is decrypted on your own device with a key that never leaves it.

How to connect bunq

Connecting happens entirely inside the open-banking.io dashboard — there is no code, endpoint, or key involved in this step.

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

bunq does not publish a public BIC (BIC: not applicable), so account selection is handled through the dashboard flow rather than an identifier lookup.

Access your data

Once bunq is connected, developers can optionally read that data programmatically. On the Developers page, create an API key and export a credentials.json — it 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. Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your own private key. An API key alone only ever returns ciphertext — open-banking.io's servers hold just your public key and can never read your data.

All of this runs for around EUR 3/month, covering 2,600+ banks across the EU and UK.

Do I need a developer license to connect bunq?

No. Connecting is a point-and-click dashboard step. The API, CLI and SDK are an optional layer for reading data after the fact.

Can open-banking.io see my bunq transactions?

No. The service is zero-knowledge — it stores only your public key. Decryption happens on your device with a private key only you hold.

How long does my bunq connection stay active?

Up to 180 days per consent, the PSD2 maximum. When it lapses, you re-authorise directly on bunq's login screen.

Ready to start? Head to open-banking.io and connect your bunq account.