Revolut (Malta) API Access & Open Banking Data

Revolut's Maltese entity powers current accounts, cards and business banking across the EU, but reaching that account data from your own tools normally means jumping through PSD2 hoops and certificate paperwork. open-banking.io removes both. It gives you PSD2 access to Revolut (Malta) — BIC REVOLT21 — for personal and business accounts alike, without you ever registering as a regulated third party or holding an eIDAS certificate. Your account data is decrypted locally with a key only you hold, so no one else, not even our servers, can read it.

How to connect Revolut

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 keys are generated on your own device and never leave it.
  2. In the dashboard, search for Revolut (Malta) and choose the account type you hold — personal or business.
  3. You're redirected to Revolut's own secure login, where you approve access on their consent screen. This is standard PSD2 consent, valid for up to 180 days before you renew it.
  4. Your accounts and transactions sync back into your dashboard, ready to view.

That's the whole flow. Everything runs through Revolut's own authentication — we never see your credentials.

Access your data

Once Revolut is connected, developers can optionally read the data programmatically. Open the Developers page, create an API key, and export a credentials.json file. That file 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. Without that private key an API request returns only ciphertext — the key never leaves your machine, which is what makes the service genuinely zero-knowledge. Note the tooling only reads and syncs existing connections; the connection itself is always made in the dashboard.

All of this runs for roughly EUR 3/month, covering 2,600+ EU and UK banks with no certificate and no third-party licence required.

FAQ

Can I access both personal and business Revolut accounts?

Yes. open-banking.io supports both personal and business account types under BIC REVOLT21.

Up to 180 days. When it expires, reconnect from the dashboard to renew it.

Can open-banking.io read my Revolut data?

No. Data is encrypted with a key held only on your device, so our servers store only your public key and never see readable data.

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