bunq (Iceland) API Access & Open Banking Data
Reaching your bunq data in Iceland shouldn't mean wrestling with eIDAS certificates or bank-specific paperwork. open-banking.io gives you PSD2 access to bunq alongside 2,600+ other European banks through one dashboard, and it does so without ever being able to read your data. Your decryption key is generated on your own device and never leaves it — the service holds only your public key, so everything you sync back is ciphertext to everyone but you.
bunq is a mobile-first neobank, and open-banking.io supports both its personal and business accounts. bunq has no single fixed BIC exposed here (BIC: not applicable), and each authorisation you grant lasts up to 180 days before bunq asks you to renew consent.
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.
- Sign up for open-banking.io and set your encryption passphrase. This generates your personal key pair locally.
- In the dashboard, choose bunq and select the account type you want to link — personal or business.
- You are redirected to bunq's own secure login, where you approve access under PSD2.
- Once bunq confirms, your accounts and transactions sync straight into your dashboard.
That's the whole flow. You authorise on bunq's screens, not ours, and we never see your banking credentials.
Access your data
Programmatic access is an optional step you take after the connection above exists. On the Developers page, create an API key and export a credentials.json — this bundles the API key with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries your key in the X-Api-Key header, and every response is decrypted locally on your machine. The CLI and SDK only read and sync connections you already made in the dashboard — they cannot create new ones. And an API key on its own returns nothing readable: without your private key you only ever hold ciphertext.
All of this runs for around EUR 3 per month.
Does open-banking.io store my bunq login?
No. You authenticate on bunq's own consent screen, and open-banking.io never receives your credentials or your private key.
How long does bunq access stay active?
Each consent is valid for up to 180 days, after which bunq prompts you to re-approve.
Can I connect a bunq business account?
Yes — both personal and business bunq accounts are supported when you pick the account type in the dashboard.
Start linking bunq at open-banking.io.