Openbank API Access & Open Banking (Netherlands)

Openbank, Santander's fully digital bank, gives Dutch customers a mobile-first current account — and open-banking.io turns that account into data you can actually work with. Whether you run a business or manage personal finances, you can bring your Openbank balances and transactions into one place, then read them programmatically if you want to. There are no eIDAS certificates to buy, no PSD2 licence to hold, and nothing about your figures ever leaves your control in readable form.

open-banking.io covers 2,600+ banks across the EU and UK for roughly EUR 3 a month. What sets it apart is the zero-knowledge design: your encryption keys are generated on your own device, and the service only ever holds your public key. Even the servers that shuttle your data around cannot decrypt a single euro of it.

How to connect Openbank

Connecting happens entirely inside the open-banking.io dashboard — the web app — with no code involved. First, sign up and choose an encryption passphrase; this is what derives the keys that live only on your device. Next, open the dashboard, search for Openbank (Netherlands), and select whether you're linking a business or personal account. The dashboard then redirects you to Openbank's own secure login, where you authenticate and grant PSD2 consent directly with the bank. Once approved, your accounts sync back into your dashboard automatically. Openbank's BIC is OPENESMMXXX, and a single consent stays valid for up to 180 days before you need to renew it.

Access your data

Reading your Openbank data in code is an optional step you take after connecting. From the Developers page, create an API key and export a credentials.json file — it bundles that API key together with your private decryption key. From there, reach for whatever suits you: the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries an 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 can read it.

Do I need an API key to connect Openbank?

No. Connecting is done entirely in the dashboard by approving access on Openbank's login screen. API keys are only for reading data afterwards.

Can open-banking.io see my Openbank transactions?

No. The platform is zero-knowledge and holds only your public key, so your data stays unreadable to it.

Which account types are supported?

Both business and personal Openbank accounts can be linked, each with consent lasting up to 180 days.

Start at open-banking.io.