HSBC Italy Open Banking & API Access Explained

Reaching your HSBC (Italy) account data no longer means wrestling with certificates, sandbox registrations or bank-specific integration paperwork. open-banking.io gives you regulated PSD2 access to HSBC across one dashboard that also covers 2,600+ other EU and UK banks. HSBC (Italy) is supported for business accounts, identified by BIC HBUKGB4BXXX, with a maximum consent lifetime of 180 days before you re-authorise.

What sets this apart is the privacy model. open-banking.io is zero-knowledge: your encryption keys are generated on your own device, and the service only ever holds your public key. Balances and transactions are decrypted locally — the servers physically cannot read what flows through them.

How to connect HSBC

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 an account and set your encryption passphrase. Your key pair is created right there on your device.
  2. In the dashboard, search for and select HSBC (Italy), then choose the business account type.
  3. You are redirected to HSBC's own secure login and consent screen, where you approve access directly with the bank (standard PSD2 authorisation).
  4. Once approved, your HSBC accounts sync back into your dashboard, ready to view.

Because you authenticate on HSBC's own pages, open-banking.io never sees your banking credentials.

Access your data

Want to pull HSBC data programmatically? That is an optional developer 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request authenticates with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, the data stays unreadable. The CLI and SDK read and sync existing connections; they never create the HSBC link itself.

All of this runs for roughly EUR 3/month, with no eIDAS certificates to buy or maintain.

FAQ

Which HSBC accounts can I connect?

HSBC (Italy) is supported for business accounts under BIC HBUKGB4BXXX.

How often do I re-authorise?

HSBC consent lasts up to 180 days, after which you approve access again on HSBC's consent screen.

Can open-banking.io read my HSBC data?

No. It holds only your public key; decryption happens solely on your device.

Start at open-banking.io.