MBH Bank (ex-Takarékbank) Open Banking & API Access

Reach your MBH Bank (ex-Takarékbank) account data through a single, privacy-first service. open-banking.io links the Hungarian bank — formerly Takarékbank — under PSD2 and keeps every byte encrypted with a key that never leaves your device. There are no eIDAS certificates to buy and no PSD2 licence to hold: you sign up, connect, and your balances and transactions flow into one dashboard covering 2,600+ EU and UK banks.

How to connect MBH Bank (ex-Takarékbank)

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

  1. Create an open-banking.io account and set an encryption passphrase. Your keys are generated locally on your own device.
  2. In the dashboard, pick MBH Bank (ex-Takarékbank) from the bank list and choose your account type — business or personal.
  3. You are redirected to MBH Bank's own secure login to approve access on the bank's consent screen (BIC FHKBHUHBXXX).
  4. Once approved, your accounts sync back into the dashboard. Your PSD2 consent lasts up to 180 days, after which you simply re-approve.

Access your data

Programmatic access is an optional step after the bank is connected. 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. Requests carry the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections that already exist — there is no connect command.

Because open-banking.io is zero-knowledge, its servers hold only your public key and can never read or decrypt your MBH Bank data. All of this runs for about EUR 3/month.

Is a certificate or licence needed?

No. open-banking.io is certificate-free — no eIDAS or PSD2 licence is required on your side. You approve access directly with MBH Bank (ex-Takarékbank).

Can open-banking.io see my transactions?

No. Data is decrypted only on your device with a key you alone hold. The service stores ciphertext plus your public key.

Does an API key alone return readable data?

No. Without your private decryption key you receive only ciphertext. Both parts of credentials.json are required to read plaintext.

Start at open-banking.io.