Oberbank API Access & Open Banking (Hungary)

Oberbank's Hungarian branch (BIC OBKLHUHBXXX) serves both business and personal customers, but pulling your balances and transactions into your own tools normally means wrestling with certificates and PSD2 paperwork. open-banking.io removes that friction: it links your Oberbank accounts through a single dashboard and keeps every byte of your financial data encrypted with a key that never leaves your device.

Because the platform is zero-knowledge and certificate-free, open-banking.io stores only your public key. It can move ciphertext around, but it can never read or decrypt what's inside — only you can.

How to connect Oberbank

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

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your encryption keys are generated locally on your own device at this moment.
  3. In the dashboard, pick Oberbank (Hungary) and choose your account type — business or personal.
  4. You're redirected to Oberbank's own secure login, where you approve access under PSD2 consent. Your credentials go only to the bank.
  5. Your accounts sync back into the dashboard, ready to view.

Each consent lasts up to 180 days, after which you simply re-approve on Oberbank's screen to keep the connection live.

Access your data

Once Oberbank is connected, developers can optionally read the data programmatically. Open the Developers page, create an API key, and export a credentials.json file — this bundles your 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.

Every request carries your key in the X-Api-Key header, and every response is decrypted locally with your private key. An API key on its own only ever returns ciphertext — without your private key, the data stays unreadable. Note there is no connect command; the CLI and SDK only read and sync connections you already established in the dashboard.

FAQ

Do I need an eIDAS certificate to access Oberbank?

No. open-banking.io is certificate-free. You authorize access on Oberbank's own consent screen — no certificates, no QWAC/QSEAL setup.

Can open-banking.io see my Oberbank transactions?

No. The service is zero-knowledge and holds only your public key. Your data is decrypted locally with a private key that only you possess.

How much does it cost?

Around EUR 3 per month for access across 2,600+ supported EU and UK banks, including Oberbank in Hungary.

Ready to start? Visit open-banking.io to connect your Oberbank accounts.