AndBank Luxembourg API Access & Open Banking

Reaching AndBank (Luxembourg) account data no longer means wrestling with eIDAS certificates or a bespoke PSD2 stack. open-banking.io gives you a single, privacy-first path to your balances and transactions across 2,600+ EU and UK institutions. AndBank Luxembourg (BIC BACALULL) supports both business and personal accounts, with consent lasting up to 180 days before you renew.

What sets the service apart is the zero-knowledge design. When you sign up you choose an encryption passphrase, and the keys are generated on your own device. open-banking.io only ever holds your public key, so its servers can never read or decrypt what flows through them. There are no certificates to buy and no infrastructure to maintain — just a login and a passphrase.

How to connect AndBank

  1. Create an open-banking.io account and set your encryption passphrase — this derives the private key that stays with you.
  2. Open the dashboard (the web app) and search for AndBank Luxembourg.
  3. Choose the account type you need, business or personal.
  4. You are redirected to AndBank's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials are entered only at the bank, never with open-banking.io.
  5. Once approved, your AndBank accounts sync straight into your dashboard.

That is the entire connection — done in the dashboard, not through any API call, code, or key.

Access your data

Programmatic access is an optional step you take after connecting. On the Developers page, create an API key and export a credentials.json file, which bundles that key with your private decryption key. From there you can run the CLI (openbanking accounts, openbanking transactions, openbanking sync), or use an SDK or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally using your own key — the API key alone only ever returns ciphertext.

All of this runs at around EUR 3/month.

Do I need an eIDAS certificate for AndBank?

No. open-banking.io is certificate-free; the bank handles consent on its own login screen.

Can the CLI connect my AndBank account?

No. Connecting happens in the dashboard. The CLI and SDK only read or sync connections that already exist.

Can open-banking.io staff see my AndBank transactions?

No. The service is zero-knowledge and holds only your public key, so decryption happens solely on your device.

Start at https://open-banking.io.