Pleo Open Banking API Access for the Netherlands

Pleo issues smart company cards and spend-management accounts, and if you rely on it for day-to-day finances you probably want that data somewhere you control. open-banking.io lets you pull your Pleo balances and transactions into one place through regulated PSD2 access — no bank certificates to buy, no eIDAS setup, and nothing decrypted on our side. Your data is unlocked on your own device with a key only you hold, so open-banking.io stores only your public key and never sees your figures in the clear.

How to connect Pleo

Connecting happens entirely inside the open-banking.io dashboard — there is no code, endpoint, or API key involved in this step.

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally on your device at this moment.
  2. In the dashboard, search for Pleo (BIC PLEODKK2) and choose the account type you need — business or personal are both supported.
  3. You are redirected to Pleo's own secure login to approve access. This PSD2 consent is granted directly on Pleo's screen, so your credentials never touch us.
  4. Your Pleo accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve.

Access your data

Reading Pleo data programmatically is an optional developer step that only works 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. Note that the CLI and SDK only read and sync connections you already made in the dashboard — there is no connect command, and an API key alone returns only ciphertext without your private key.

All of this runs at roughly EUR 3/month across 2,600+ supported European banks.

Does open-banking.io ever see my Pleo transactions?

No. It is zero-knowledge — data is decrypted on your device with your key, and servers hold only your public key.

Do I need a bank certificate or QWAC to connect Pleo?

No. open-banking.io is certificate-free; access uses regulated PSD2 rails without any eIDAS certificate on your side.

Can I connect Pleo using the CLI or an API call?

No. Connecting only happens in the dashboard via Pleo's consent screen. The CLI and API just read data from connections that already exist.

Get started at open-banking.io