HSBC (Malta) API Access & Open Banking Data

Pulling your HSBC (Malta) account and transaction data into your own tools no longer means wrestling with eIDAS certificates or a bank sandbox. open-banking.io gives you PSD2-grade access to HSBC through a single dashboard, and — if you're a developer — an optional API on top. HSBC's BIC is HBUKGB4BXXX, and both personal and business accounts are supported, with consent lasting up to 180 days before you re-approve.

Everything stays private by design: open-banking.io is zero-knowledge and certificate-free. Your encryption keys are generated on your own device, and the service only ever holds your public key — so your HSBC data is decrypted locally, by you, and never in a form the servers can read.

How to connect HSBC

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

  1. Sign up for open-banking.io and set your encryption passphrase. This generates your personal keys locally on your device.
  2. In the dashboard, pick HSBC (Malta) from the bank list and choose the account type — personal or business.
  3. You're redirected to HSBC's own secure login, where you approve access on the bank's official PSD2 consent screen.
  4. Once approved, your HSBC accounts sync straight into your dashboard, ready to view.

That's it — no developer redirect, no manual credential handling. HSBC authenticates you directly.

Access your data

After your HSBC connection is live, developers can optionally read the data programmatically. On 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 directly. Requests authenticate with 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, no one, including open-banking.io, can make sense of it.

All of this runs at around EUR 3/month, covering 2,600+ banks across the EU and UK.

FAQ

Do I connect HSBC using an API key?

No. You connect HSBC in the dashboard by approving access on HSBC's own login. API keys are only for optionally reading your already-synced data afterwards.

Can open-banking.io read my HSBC data?

No. It's zero-knowledge — the service holds only your public key. Decryption happens on your device with a private key only you hold.

Up to 180 days, after which you simply re-approve access through HSBC's consent screen.

Ready to start? Connect HSBC at open-banking.io.