BNG Bank API Access & Open Banking Integration

BNG Bank is a public-sector lender in the Netherlands serving municipalities, provinces, housing associations and healthcare institutions. If you run a business that banks with BNG Bank (BIC BNGHNL2G), open-banking.io gives you a clean, certificate-free way to pull your account and transaction history into one place — without the eIDAS certificates, sandbox registrations or PSD2 paperwork that direct bank APIs normally demand.

open-banking.io reaches 2,600+ banks across the EU and UK. It is zero-knowledge by design: your data is encrypted and only ever decrypted on your own device with a key that never leaves it. Our servers hold your public key and nothing that can unlock your statements.

How to connect BNG Bank

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 an encryption passphrase. Your key pair is generated locally on your device from that passphrase.
  2. In the dashboard, choose BNG Bank and select the business account type.
  3. You are redirected to BNG Bank's own secure login, where you approve access under PSD2 consent on the bank's screen — your credentials are never seen by us.
  4. Your accounts sync back into the dashboard, ready to view. Consent lasts up to 180 days, after which you simply re-approve on BNG Bank's screen.

Access your data

Reading the data programmatically is an optional developer step you take after the connection above exists. 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. There is no connect command — the CLI and SDK only read and sync connections you already approved in the dashboard. An API key on its own returns ciphertext; without your private key it stays unreadable.

Does open-banking.io need an eIDAS certificate?

No. Access runs through the dashboard's consent flow, so there are no certificates to buy, register or renew.

Can open-banking.io read my BNG Bank data?

No. It is zero-knowledge — we store only your public key, and decryption happens on your device.

What does it cost?

Around EUR 3 per month for access to BNG Bank and 2,600+ other banks.

Ready to start? Visit open-banking.io.