Spuerkeess API Access & Open Banking (Luxembourg)

Spuerkeess — the Banque et Caisse d'Épargne de l'État in Luxembourg (BIC BCEELULL) — holds the everyday and business banking of thousands of customers across the Grand Duchy. If you want to pull your own balances and transactions into a spreadsheet, an accounting tool, or your own scripts, open-banking.io gives you a clean PSD2 route to Spuerkeess data that both personal and business account holders can use.

Unlike a raw bank API, open-banking.io is built so that only you can read what comes back. Your encryption keys are generated on your own device, and open-banking.io stores just your public key. That means the service is certificate-free — you never chase an eIDAS QWAC — and zero-knowledge: the servers relay ciphertext they cannot open.

How to connect Spuerkeess

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 private key is created locally and never leaves your device.
  2. In the dashboard, search for Spuerkeess and choose your account type — business or personal.
  3. You are redirected to Spuerkeess's own secure login, where you approve access under PSD2. Your credentials only ever touch the bank.
  4. Once approved, your Spuerkeess accounts sync into your dashboard. Each consent lasts up to 180 days, after which you simply reauthorise on Spuerkeess's screen.

Access your data

Reading Spuerkeess data programmatically is an optional developer step you take after the connection exists. 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 with your own key. An API key on its own only ever returns ciphertext — without your private key, the data stays sealed.

All of this runs on the standard plan at roughly EUR 3/month, covering 2,600+ EU and UK banks.

Is Spuerkeess business banking supported?

Yes. Both business and personal Spuerkeess accounts can be connected and read.

How long does access last before I reconnect?

Spuerkeess consent runs for up to 180 days, then you reapprove on the bank's login screen.

Can open-banking.io see my Spuerkeess transactions?

No. It is zero-knowledge — it holds only your public key, so it relays encrypted data it cannot decrypt.

Start accessing your Spuerkeess data at open-banking.io.