OTP Bank API Access & Open Banking | open-banking.io

Reaching OTP Bank (BIC OTPVHUHBXXX) account data no longer means building your own PSD2 stack or wrangling eIDAS certificates. open-banking.io gives you read access to OTP Bank business and personal accounts through a single dashboard, and — only if you want it — a clean developer path on top. Everything you retrieve is decrypted on your own device with a key that never leaves it.

How to connect OTP Bank

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 an open-banking.io account.
  2. Set an encryption passphrase. Your cryptographic keys are generated locally, on your device, so only you can later unlock your data.
  3. In the dashboard, pick OTP Bank and choose the account type — business or personal.
  4. You are redirected to OTP Bank's own secure login, where you approve access on the bank's PSD2 consent screen. Consent lasts up to 180 days before you renew it.
  5. Your OTP Bank accounts sync back into your dashboard, ready to view.

That's the whole flow. open-banking.io never sees your OTP Bank credentials, and it holds only your public key.

Access your data

Once OTP Bank is connected, developers can optionally read it programmatically. Open 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.
  • Or call the REST API / an SDK, authenticating with the X-Api-Key header.

Every response is ciphertext until it is decrypted locally with your private key. The CLI and SDK only read and sync your existing OTP Bank connection — there is no connect command, because connecting always happens in the dashboard.

Privacy and pricing

open-banking.io is zero-knowledge and certificate-free: no QWAC/QSEAL certificates to buy, and no way for its servers to read your data, since they never hold your private key. Access to 2,600+ EU/UK banks costs around EUR 3/month.

Do I need an API key to connect OTP Bank?

No. Connecting is done in the dashboard by approving access on OTP Bank's consent screen. API keys are only for reading data afterward.

Can open-banking.io see my OTP Bank transactions?

No. Data is decrypted on your device with a key only you hold; the service stores only your public key.

How long does OTP Bank access last?

Up to 180 days per consent, after which you re-approve access on OTP Bank's login.

Get started at open-banking.io.