bunq Ireland API Access — Open Banking Made Simple

bunq is the Amsterdam-born neobank that reaches Irish customers through its pan-European licence, and its account holders in Ireland can bring that data into open-banking.io without touching a single certificate or eIDAS registration. Whether you run a personal current account or a bunq business account, open-banking.io gives you one private, encrypted place to read balances and transactions — and, if you write code, a clean way to pull them programmatically later.

The defining trait here is privacy. open-banking.io is zero-knowledge: your encryption keys are generated on your own device from a passphrase only you know, and every figure that lands in your dashboard is decrypted locally. The servers only ever hold your public key, so they physically cannot read your bunq statements.

How to connect bunq

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 locally at that moment.
  2. In the dashboard, choose bunq (Ireland) and select the account type you hold — personal or business.
  3. You are redirected to bunq's own secure login, where you approve access under PSD2 (identified by BIC BUNQIE22XXX).
  4. Consent lasts up to 180 days, after which you simply re-approve on bunq's screen.
  5. Your accounts then sync back into your dashboard, decrypted only on your device.

Access your data

Once a bunq connection exists, developers can optionally read it in code. Open the Developers page, create an API key, and export a credentials.json that 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 — an API key on its own returns only ciphertext. The CLI and SDK read and sync existing connections; they never create them.

All of this runs for around EUR 3/month, with no certificates and no bank-by-bank onboarding paperwork.

FAQ

Do I need an eIDAS certificate for bunq?

No. open-banking.io is certificate-free — you connect bunq through the dashboard by approving access on bunq's own login screen.

Can I connect a bunq business account?

Yes. Both personal and business bunq account types are supported; you pick the type in the dashboard before approving consent.

Can open-banking.io read my bunq transactions?

No. The service is zero-knowledge and holds only your public key, so your data is decrypted solely on your device.

Ready to start? Visit open-banking.io.