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

Reaching your Bank of Ireland account data no longer means wrestling with eIDAS certificates, sandbox registrations, or bank-by-bank developer portals. open-banking.io gives you one certificate-free doorway to Bank of Ireland (BIC BIGTIE2DMDK) alongside 2,600+ other EU and UK institutions. Both business and personal account types are supported, and a single approval keeps your consent live for up to 180 days before you renew it.

What makes the service different is where your data is decrypted. open-banking.io is zero-knowledge: your encryption keys are generated on your own device from a passphrase only you know, and every balance and transaction is unlocked locally. The servers only ever hold your public key, so they can store ciphertext but never read it.

How to connect Bank of Ireland

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 private key is created right there on your device.
  2. In the dashboard, choose Bank of Ireland and select whether you're linking a business or personal account.
  3. You're redirected to Bank of Ireland's own secure login and consent screen, where you authenticate and approve access under PSD2 — your credentials are only ever seen by the bank.
  4. Once you approve, your accounts flow back into the dashboard and begin syncing.

That's the whole connection. No developer redirect, no client secret, nothing to deploy.

Access your data

Want to work with the data in code? That's an optional step you take after connecting. Open the Developers page, create an API key, and export a credentials.json — it 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. Without that private key an API key alone returns only ciphertext — a design choice, not a limitation. Note the CLI and SDK only read and sync connections you've already made; there is no connect command.

All of this runs for roughly EUR 3/month.

FAQ

Do I need an eIDAS certificate for Bank of Ireland?

No. open-banking.io is certificate-free — you authorise access directly on Bank of Ireland's consent screen, with no QWAC or portal registration.

Can open-banking.io read my Bank of Ireland transactions?

No. The platform is zero-knowledge and stores only your public key. Data is decrypted on your device with a key only you hold.

Up to 180 days per approval, after which you re-confirm on Bank of Ireland's login to keep the connection active.

Start at https://open-banking.io.