3S Money Open Banking Access & API Data Export

Need a private, reliable way to pull your 3S Money balances and transactions into your own tools? open-banking.io links your 3S Money account (Luxembourg, BIC MOLULU22) to a single dashboard and keeps the data yours. Every figure is decrypted on your own device with a key that never leaves it, so no third party — not even open-banking.io — can read a euro of it.

3S Money serves both business and personal account holders, and a PSD2 consent stays valid for up to 180 days before you renew it. That means months of uninterrupted syncing from one approval.

How to connect 3S Money

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally, on your device.
  2. In the dashboard, search for 3S Money and choose your account type (business or personal).
  3. You're redirected to 3S Money's own secure login, where you approve access under PSD2.
  4. Your accounts flow back into the dashboard and begin syncing automatically.

Because you approve directly on 3S Money's screen, your credentials are never shared with anyone in the middle.

Access your data

Once 3S Money is connected, developers can optionally read it programmatically. Open the Developers page, create an API key, and export a credentials.json — it bundles the API key with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests carry the X-Api-Key header, and every response is decrypted locally with your own key. An API key alone only ever returns ciphertext — readable data requires the private key that stays with you.

No certificates, no eIDAS setup, no bank-by-bank paperwork. Just clean access across 2,600+ EU and UK banks for around EUR 3/month.

FAQ

Do I need an API key to connect 3S Money?

No. Connecting is done in the dashboard by approving access on 3S Money's own login. API keys are only for the optional developer step of reading data afterward.

Can open-banking.io see my 3S Money transactions?

No. The service is zero-knowledge and holds only your public key. Decryption happens on your device, so the data stays unreadable to everyone else.

Up to 180 days. After that you simply re-approve in the dashboard to keep the sync running.

Ready to start? Visit open-banking.io.