Access K&H Data — K&H Open Banking & API Access

K&H Bank is one of Hungary's largest retail and corporate banks, and with open-banking.io you can bring your K&H accounts into a single, privacy-first dashboard. There are no eIDAS certificates to buy, no PSD2 sandbox paperwork, and no vendor that can read your finances — your data is encrypted and only ever decrypted on your own device with a key nobody else holds.

open-banking.io covers 2,600+ EU and UK banks, so K&H can sit alongside every other account you hold. Both business and personal K&H accounts are supported, and a single approval grants access for up to the regulatory maximum of 180 days before you re-confirm.

How to connect K&H

Connecting happens entirely inside 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 set your encryption passphrase. Your keys are generated locally on your device, so open-banking.io only ever holds your public key.
  2. In the dashboard, choose K&H (BIC OKHBHUHBXXX) and select the account type you want to link — business or personal.
  3. You're redirected to K&H's own secure login, where you approve access under PSD2. open-banking.io never sees your banking credentials.
  4. Once you confirm, your K&H accounts and transactions sync straight into your dashboard.

That's the whole flow — pick, approve, done.

Access your data

Reading K&H data programmatically is an optional step that comes 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 you can 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 private key. Without that key an API request returns only ciphertext, which is exactly what keeps the service zero-knowledge.

All of this runs at roughly EUR 3/month, flat.

Do I need a certificate or PSD2 licence for K&H?

No. open-banking.io handles the regulated connection; you just approve access on K&H's consent screen.

Can open-banking.io see my K&H transactions?

No. Data is decrypted only on your device with a key you alone hold — the servers store only your public key.

Up to 180 days, after which you re-approve on K&H's login to keep syncing.

Ready to start? Visit open-banking.io.