ING Wholesale Banking Luxembourg Open Banking API

Corporate treasurers and finance teams working with ING Wholesale Banking in Luxembourg need a clean, private route to their account data. open-banking.io gives you exactly that: a zero-knowledge, certificate-free bridge to your ING Wholesale Banking business accounts, with every response decrypted on your own machine using a key that never leaves your control.

Because open-banking.io holds only your public key, its servers can never read or decrypt what flows through them. You get PSD2-grade access to ING Wholesale Banking without eIDAS certificates, QWAC setup, or a bank sponsorship — for around EUR 3 per month across 2,600+ European banks.

How to connect ING Wholesale Banking

Connecting happens entirely inside 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 your encryption passphrase. Your keys are generated locally on your device from that passphrase.
  2. In the dashboard, pick ING Wholesale Banking and choose the business account type.
  3. You are redirected to ING Wholesale Banking's own secure login, where you approve access on the bank's consent screen (PSD2).
  4. Your accounts sync back into your open-banking.io dashboard.

ING Wholesale Banking (Luxembourg) supports business accounts, and a single approval keeps your consent valid for up to 180 days before ING Wholesale Banking asks you to renew it. No BIC is required to start.

Access your data

Once ING Wholesale Banking is connected, developers can optionally read the data programmatically. On the Developers page, create an API key and export a credentials.json — this bundles your 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.

Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key, nobody, including open-banking.io, can turn it into readable data. The CLI and SDK read and sync existing connections; they never create them.

Do I need an eIDAS certificate for ING Wholesale Banking?

No. open-banking.io is certificate-free — you approve access on ING Wholesale Banking's consent screen and skip the QWAC/QSEAL paperwork entirely.

Can open-banking.io see my ING Wholesale Banking transactions?

No. The service is zero-knowledge and stores only your public key. Your data is decrypted locally, so its servers only ever hold ciphertext.

How long does ING Wholesale Banking access last?

Up to 180 days per approval. When the window closes, you simply re-confirm consent on ING Wholesale Banking's login screen.

Ready to connect ING Wholesale Banking? Start at open-banking.io.