FinecoBank API Access & Open Banking Data Sync

Pulling your own account data out of FinecoBank usually means wrestling with sandbox registrations, eIDAS certificates and PSD2 paperwork. open-banking.io removes all of that. It is a certificate-free, zero-knowledge gateway to 2,600+ EU and UK banks, so you can reach your FinecoBank current accounts and transaction history without becoming a licensed third-party provider. FinecoBank supports both business and personal accounts (BIC FEBIITM2XXX), and a single approval keeps the link live for up to 180 days.

The key idea: your data is encrypted and only ever decrypted on your own device with a key nobody else holds. open-banking.io stores just your public key, so its servers can never read your balances.

How to connect FinecoBank

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code snippet or key involved in this step.

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally on your device from that passphrase.
  2. Open the dashboard, search for FinecoBank, and choose the account type you want to link (business or personal).
  3. You are redirected to FinecoBank's own secure login, where you authenticate and approve access on the bank's official PSD2 consent screen.
  4. Control returns to open-banking.io and your accounts begin syncing into the dashboard automatically.

That consent stays valid for 180 days, after which you simply re-approve on FinecoBank's screen.

Access your data

Once FinecoBank is connected, developers can optionally read the data programmatically. On 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.
  • Or call the REST API / SDK 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 on its own only ever returns ciphertext — without your key it stays unreadable. The CLI and SDK read and sync existing connections; they never create one, since connecting only happens in the dashboard.

All of this runs for roughly EUR 3/month.

FAQ

Do I need an eIDAS certificate for FinecoBank?

No. open-banking.io is certificate-free — you approve access directly on FinecoBank's consent page.

Can open-banking.io see my FinecoBank balances?

No. It is zero-knowledge and holds only your public key; decryption happens on your device.

Up to 180 days, then you re-authorise on the bank's login screen.

Start at open-banking.io.