ING API Access & Open Banking Data | open-banking.io

Pulling your ING (Netherlands) account and transaction data into your own tools usually means TPP certificates, sandbox registration, and PSD2 paperwork. open-banking.io removes all of that. It links to ING through a single dashboard, keeps a running sync of your balances and transactions, and — because it is zero-knowledge and certificate-free — decrypts everything locally with a key that never leaves your device. For roughly EUR 3/month you get ongoing access to ING alongside 2,600+ other EU and UK banks.

ING (BIC INGBNL2A) is supported for both business and personal account types, and a single approval grants up to 180 days of consent before you need to renew.

How to connect ING

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 your encryption passphrase. Your key pair is generated right there on your own device; the service only ever holds your public key.
  2. In the dashboard, choose ING (Netherlands) and select whether you're linking a business or personal account.
  3. You're redirected to ING's own secure login, where you approve access under PSD2 — you authenticate directly with ING, never with us.
  4. Your ING accounts flow back into the dashboard and begin syncing automatically. The connection stays live for the 180-day consent window.

Access your data

Once ING is connected, reading the data programmatically is an optional developer step. Open the Developers page, create an API key, and export a credentials.json — this bundles the API key with your private decryption key. From there you can run the CLI (openbanking accounts, openbanking transactions, openbanking sync) or call the SDK and REST API. Every request carries your X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, nobody, including our servers, can read it.

Do I need a PSD2 or TPP licence to access ING?

No. open-banking.io is the licensed party. You approve access on ING's consent screen and skip certificates entirely.

Can I use ING data in scripts and dashboards?

Yes. After connecting in the dashboard, use credentials.json with the CLI, SDK, or REST API to read synced ING data in your own code.

How long does ING access last?

Up to 180 days per consent. When the window closes, re-approve on ING's login to keep both business and personal accounts syncing.

Start accessing your ING data at open-banking.io.