bunq Luxembourg API Access & Open Banking | open-banking.io

bunq's Luxembourg operations serve customers who want a mobile-first account without the legacy overhead of a traditional bank. If you hold a personal or business account there, open-banking.io lets you pull that data into one place — and, when you're ready, read it programmatically. There's no eIDAS certificate to buy, no PSD2 licence to register, and no raw credentials to store. Your account data is encrypted and only ever decrypted on your own device with a key that never leaves it.

bunq (Luxembourg) does not publish a BIC through this route, so identify accounts by IBAN. Both personal and business account types are supported, and a single approval keeps your connection live for up to 180 days before bunq asks you to renew consent.

How to connect bunq

Everything happens inside the open-banking.io dashboard — there is no code involved in connecting.

  1. Sign up for an account and set your encryption passphrase. Your key pair is generated locally on your device; open-banking.io only ever sees your public key.
  2. In the dashboard, choose bunq (Luxembourg) and pick the account type you hold — personal or business.
  3. You're redirected to bunq's own secure login, where you approve access under PSD2. Your credentials go straight to bunq and nowhere else.
  4. Your accounts and transactions sync back into the dashboard, ready to view.

Access your data

Reading bunq data programmatically is an optional step you take after connecting. From 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 carries your key in the X-Api-Key header, and every response is decrypted locally against your private key. Without that key, an intercepted response is just ciphertext — the servers hold no means to read it.

FAQ

Do I need a certificate or developer registration for bunq?

No. open-banking.io is certificate-free. You connect through bunq's normal consent screen — no eIDAS certificate and no PSD2 licence required.

Can the CLI connect my bunq account?

No. The CLI and SDK only read and sync connections you've already approved in the dashboard. There is no connect command — approval always happens on bunq's site.

How much does it cost?

Around EUR 3 per month for access across 2,600+ supported EU and UK banks, including bunq.

Ready to start? Connect your bunq account at open-banking.io.