SumUp Hungary Open Banking & API Access Guide

Merchants running a SumUp business account in Hungary can bring that data into their own tooling through open-banking.io, a zero-knowledge, certificate-free gateway to 2,600+ EU and UK banks. SumUp settles payouts and card takings into a dedicated business IBAN (BIC SUMUIE22), and open-banking.io lets you reach those balances and transactions without eIDAS certificates, PSD2 licences, or bespoke integration work — every figure is decrypted on your own device with a key only you hold.

How to connect SumUp

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 key pair is generated locally, so open-banking.io only ever stores your public key.
  3. In the dashboard, choose SumUp and select the business account type (the account class SumUp supports).
  4. You are redirected to SumUp's own secure login to approve access under PSD2. Consent runs for up to 180 days, after which you simply re-approve on SumUp's screen.
  5. Your SumUp accounts sync straight into the dashboard, ready to view.

Access your data

Reading SumUp data programmatically is an optional step you take after the connection exists. 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), an SDK, or the REST API directly. Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. An API key alone returns only ciphertext — the servers never hold the means to read your data.

The cost is roughly EUR 3 per month, with no per-call or certificate fees.

Can I connect SumUp using the CLI or an API key?

No. Connecting is always done in the dashboard via SumUp's consent screen. The CLI, SDK and API only read or sync connections that already exist.

What account types does SumUp support here?

SumUp accounts are business accounts, so open-banking.io exposes the business account type for the SumUp IBAN behind BIC SUMUIE22.

Can open-banking.io staff see my transactions?

No. The service is zero-knowledge: it stores only your public key, and decryption happens on your device with a private key that never leaves it.

Ready to pull your SumUp data into your own stack? Get started at open-banking.io.