Openbank API Access — Sync Netherlands Bank Data

Openbank is the digital bank of the Santander group, and its Dutch customers can now bring account data into their own tools without wrestling with raw banking protocols. With open-banking.io you point a single API at Openbank (BIC OPENESMMXXX) and receive clean, structured financial data ready for dashboards, bookkeeping, reconciliation or lending checks.

Instead of maintaining separate integrations per institution, you work against one consistent schema that already speaks to more than 2,600 banks across the EU and UK. Openbank is simply one endpoint in that network.

How to connect Openbank

  1. Sign up for open-banking.io and create a connection request.
  2. Select Openbank (the Netherlands) as the target institution.
  3. Send your customer through Openbank's own secure login to approve access.
  4. Start reading account data through the API the moment consent is granted.

What data you can access

  • Accounts — identifiers, currency and product details for business and personal accounts.
  • Balances — current and available amounts, refreshed on demand.
  • Transactions — dated, categorisable entries with counterparties and references.

Access runs on the account holder's explicit authorisation, valid for a maximum consent window of 180 days before a straightforward renewal is needed. Both business and personal Openbank accounts are supported, and the same integration extends to thousands of other banks should you expand beyond the Netherlands.

Privacy by design

The platform is zero-knowledge: your customers' credentials are entered only on Openbank's side and are never visible to us. There are no eIDAS certificates to buy, host or rotate — the certificate-free model removes the heaviest part of PSD2 onboarding, so a solo developer can go live as easily as an enterprise team.

Pricing

One flat plan of roughly EUR 3 per month covers Openbank alongside the full bank network — no per-call surcharges and no long procurement cycle.

FAQ

Do I need banking licences or certificates?

No. open-banking.io supplies the regulated access layer, so you skip certificates and licensing entirely.

Which Openbank accounts work?

Both business and personal Openbank accounts in the Netherlands can be linked and read through the API.

Up to 180 days per authorisation, after which the customer simply re-approves to keep the connection live.

Ready to build? Start at open-banking.io.