bunq (Malta) API Access & Open Banking | open-banking.io
bunq is the Dutch-founded mobile bank whose Maltese entity serves account holders across Europe, and open-banking.io lets you reach that account data on your own terms. Instead of wrestling with certificates or a raw PSD2 gateway, you get a single dashboard that links your bunq accounts and keeps every byte encrypted with a key that never leaves your device. Both personal and business bunq profiles are supported, so freelancers and companies can pull balances and transactions the same way.
How to connect bunq
Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in this step:
- Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally, so only you can later unlock the data.
- In the dashboard, choose bunq (Malta) and select whether you're linking a personal or business account.
- You're redirected to bunq's own secure login, where you approve access under PSD2. open-banking.io never sees your bunq credentials.
- Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on bunq's screen.
bunq (Malta) has no fixed BIC in our reference data, so nothing more than the dashboard flow above is needed to get connected.
Access your data
Once bunq is linked, developers can optionally read the data programmatically. Open 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request sends the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key it stays unreadable, which is what makes the service zero-knowledge and certificate-free.
At around EUR 3/month across 2,600+ EU/UK banks, it's a lean way to keep bunq data flowing into your tools.
Does open-banking.io store my bunq login?
No. You authenticate on bunq's own site, and the service holds only your public key — never your credentials or readable data.
Can the CLI connect my bunq account?
No. Connecting is a dashboard-only action. The CLI, SDK, and API only read or sync connections you've already approved.
How long does bunq access stay valid?
Up to 180 days per consent, then you re-approve on bunq's login screen.
Ready to start? Visit open-banking.io.