Union Bancaire Privée Open Banking & API Access

Union Bancaire Privée (Europe) S.A. is the Luxembourg arm of the Geneva-based private banking group, serving private and institutional clients across the EU. If you want programmatic access to your Union Bancaire Privée accounts, open-banking.io gives you a clean, standards-based path — without certificates, without a bank sponsorship, and without ever handing your data to a third party in readable form.

open-banking.io covers 2,600+ banks across the EU and UK under PSD2. Union Bancaire Privée is reachable for both business and personal accounts (BIC DBSALULL), with consent valid for up to 180 days before you re-authorise. Everything is zero-knowledge: your encryption keys are generated on your own device, and open-banking.io only ever holds your public key.

How to connect Union Bancaire Privée

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, pick Union Bancaire Privée and choose the account type (business or personal).
  3. You are redirected to Union Bancaire Privée's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts and transactions sync back into your open-banking.io dashboard.

That's the whole connection flow. The bank authenticates you directly — open-banking.io never sees your credentials.

Access your data

Programmatic access is an optional developer 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. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests carry the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, the data stays unreadable, which is what zero-knowledge means in practice. Pricing is around EUR 3/month.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you authorise directly on Union Bancaire Privée's consent screen.

Can open-banking.io read my Union Bancaire Privée data?

No. Data is decrypted only on your device with a key only you hold; the servers store just your public key.

How long does access last?

Union Bancaire Privée consent lasts up to 180 days, after which you re-approve on the bank's login.

Start at open-banking.io.