bunq Hungary API Access & Open Banking | open-banking.io

bunq is the Amsterdam-born mobile bank that treats Hungary as part of its borderless European footprint, letting HUF-region users manage everything from a phone. If you want that account data outside the bunq app — in a spreadsheet, a script, or your own tooling — open-banking.io gives you a clean, PSD2-compliant path to it. No certificates to register, no bank sandbox to negotiate, and no raw credentials ever leaving your device.

open-banking.io reaches 2,600+ EU and UK institutions for roughly EUR 3/month. It is zero-knowledge by design: encryption keys are generated on your own machine, and every byte of account data is decrypted locally with a key only you hold. The service stores just your public key, so it can sync ciphertext but can never read your finances.

How to connect bunq

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

1. Sign up at open-banking.io and set an encryption passphrase; your keypair is created locally in the browser.
2. In the dashboard, choose bunq (Hungary) and select the account type you hold — bunq supports both personal and business accounts here.
3. You are redirected to bunq's own secure login to approve access under PSD2. You authorise directly with the bank; open-banking.io never sees your bunq password.
4. Your accounts flow back into the dashboard and begin syncing. The consent you grant lasts up to 180 days, after which you simply re-approve on bunq's screen.

Access your data

Reading the data programmatically is an optional developer 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 directly. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your key. Note that bunq exposes no BIC through this reference data, so match accounts by IBAN. The API key alone only ever returns ciphertext — without your private key, there is nothing readable to see.

Do I need bunq developer access or certificates?

No. open-banking.io is certificate-free; you approve access on bunq's normal login and skip the entire eIDAS/QWAC setup.

Can open-banking.io see my bunq balance?

No. It holds only your public key and stores encrypted data, so decryption happens solely on your device.

How long does a bunq connection stay active?

Up to 180 days per PSD2 consent, then you re-authorise in a few taps on bunq's screen.

Start at open-banking.io.