Bankinter (Luxembourg) API Access & Open Banking

Reaching your Bankinter (Luxembourg) accounts through open-banking.io means you never touch an eIDAS certificate or a bank-specific sandbox. open-banking.io is a certificate-free PSD2 layer covering 2,600+ European banks, and Bankinter (Luxembourg) — BIC BKBKLULL — is one of them. Both business and personal accounts are supported, and a single approval keeps data flowing for the full 180-day consent window before you renew.

The design is zero-knowledge: your account data is encrypted and can only be decrypted on your own device with a key that never leaves it. open-banking.io's servers hold your public key, nothing more.

How to connect Bankinter (Luxembourg)

Connecting is done entirely in 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 an encryption passphrase. Your key pair is generated locally on your device the moment you do.
  2. In the dashboard, pick Bankinter (Luxembourg) from the bank list and choose the account type — business or personal.
  3. You are redirected to Bankinter's own secure login, where you authenticate and approve access (standard PSD2 consent).
  4. Control returns to your dashboard and your Bankinter accounts sync in. From here they refresh for up to 180 days on that single consent.

That is the whole flow: you approve on Bankinter's screen, not through any third-party redirect you build yourself.

Access your data

Once a connection exists, reading it programmatically is an optional developer step. On the Developers page, create an API key and export a credentials.json — it bundles the API key together with your private decryption key. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests carry your key in the X-Api-Key header, and every response is decrypted locally with your private key. An API key on its own only ever returns ciphertext — without your key there is nothing readable. Note the tooling reads and syncs existing connections; it never creates them.

All of this runs at roughly EUR 3/month.

Do I need a certificate or QWAC to connect Bankinter?

No. open-banking.io is certificate-free — you approve access on Bankinter's login screen and skip eIDAS entirely.

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

No. The service is zero-knowledge; it stores only your public key, and data is decrypted only on your device.

Up to 180 days per approval, after which you re-confirm on Bankinter's login to keep syncing.

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