bunq API Access & Open Banking via open-banking.io

bunq is the Amsterdam-born mobile bank known for its instant, app-first accounts across the Netherlands and the wider EU. If you want your bunq balances and transactions somewhere other than the bunq app — a spreadsheet, an accounting tool, or your own script — open-banking.io gives you standardised PSD2 access without certificates, eIDAS setup, or a developer sandbox. It reaches 2,600+ European banks, and every byte of your bunq data is decrypted locally with a key that never leaves your device.

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:

  1. Sign up for open-banking.io and set an encryption passphrase. Your cryptographic keys are generated on your own device, so only you can ever unlock the data.
  2. In the dashboard, choose bunq (BIC BUNQNL2AXXX) and pick the account type you hold — personal or business.
  3. You are redirected to bunq's own secure login, where you approve access under PSD2 consent. Your credentials are entered only on bunq's screen, never on ours.
  4. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on bunq's screen.

Access your data

Reading bunq data programmatically is an optional step you take after connecting. 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. open-banking.io's servers only ever hold your public key, so an API key on its own returns nothing but ciphertext.

That zero-knowledge, certificate-free design is the whole point: no eIDAS certificate to buy, no QSealC to rotate, and no way for us to read your bunq statements. It runs at around EUR 3/month.

FAQ

Do I need bunq's developer API to connect?

No. Connection is a dashboard flow with consent approved on bunq's own login. The CLI, SDK, and REST API only read or sync connections you have already made.

Which bunq account types are supported?

Both personal and business bunq accounts work, identified by BIC BUNQNL2AXXX.

How long does access last before I re-authorise?

PSD2 consent runs for up to 180 days per approval, then bunq asks you to confirm again.

Start syncing your bunq accounts at open-banking.io.