bunq Italy API Access & Open Banking Data | Secure

Running your finances through bunq in Italy and want that data somewhere you control? open-banking.io lets you pull your bunq balances and transactions into one place — and, if you code, read them programmatically afterwards. It works across 2,600+ EU and UK banks, needs no eIDAS certificates and no PSD2 licence of your own, and costs around EUR 3/month. bunq supports both personal and business accounts here, and a single approval keeps your connection live for up to 180 days before you re-confirm. bunq does not publish a BIC for this route, so none is required.

The part that makes open-banking.io different is where your data is decrypted. Encryption keys are generated on your own device from a passphrase you set, so account contents are unlocked locally. The service is zero-knowledge — its servers hold only your public key and never see readable balances or transactions.

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 on your device and never leaves it).
  2. In the dashboard, choose bunq and pick the account type you hold — personal or business.
  3. You are redirected to bunq's own secure login, where you approve access under PSD2. open-banking.io never sees your bunq credentials.
  4. Once approved, your bunq accounts sync into your dashboard, ready to view.

That consent lasts up to 180 days; when it lapses you simply re-approve on bunq's screen.

Access your data

Reading bunq data in code is an optional step you take after connecting. On 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. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard — there is no connect command. Without your private key, an API key alone returns ciphertext.

FAQ

Do I need a developer account to use bunq with open-banking.io?

No. Connecting and viewing your bunq accounts is done in the dashboard. API keys and credentials.json are only for the optional programmatic access.

Can open-banking.io read my bunq transactions?

No. It is zero-knowledge and holds only your public key. Your data is decrypted on your device with a key only you have.

How long does my bunq connection stay active?

Up to 180 days per approval. After that, re-confirm access on bunq's own login screen.

Ready to start? Visit open-banking.io.