UBS Luxembourg API Access | open-banking.io

Reaching your UBS (Luxembourg) account data no longer means wrestling with eIDAS certificates or a bank-specific developer sandbox. open-banking.io gives you a single, certificate-free path to your UBS balances and transactions across the EU and UK — covering 2,600+ banks in one place. Everything you retrieve is decrypted on your own device with a key that never leaves it, so the service itself only ever holds ciphertext.

UBS (Luxembourg) works for both business and personal account holders, and a single approval keeps your connection alive for up to 180 days before you need to re-consent. (There is no published BIC for this UBS entity in our directory, so account selection is done by name in the dashboard rather than by BIC.)

How to connect UBS

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in this step:

  1. Sign up at open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally, on your own device.
  2. In the dashboard, choose UBS (Luxembourg) and pick the account type you hold — business or personal.
  3. You're redirected to UBS's own secure login, where you approve access under PSD2 on the bank's consent screen. Your credentials are only ever entered on UBS's site.
  4. Once approved, your accounts sync straight into your dashboard, ready to view.

That consent stays valid for the full 180-day window, after which a quick re-approval renews it.

Access your data

If you're a developer and want programmatic access, that's an optional step you take after connecting. From the Developers page, create an API key and export a credentials.json — which 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key, the data stays unreadable, which is exactly what zero-knowledge means.

All of this runs for roughly EUR 3/month, with no certificate paperwork.

Does open-banking.io ever see my UBS data?

No. It holds only your public key. Decryption happens on your device, so the service stores encrypted data it cannot read.

Can the CLI connect my UBS account for me?

No. The CLI, SDK, and API only read or sync connections you've already approved in the dashboard. There is no connect command — bank approval always happens on UBS's own login.

How long does one approval last?

Up to 180 days for UBS (Luxembourg), for both business and personal accounts. After that, you re-approve in a few clicks.

Ready to start? Visit open-banking.io.