Regio Bank Open Banking API Access | Netherlands

Regio Bank serves communities across the Netherlands with a local, personal approach to banking. If you want to pull your own Regio Bank account and transaction data into scripts, spreadsheets, or dashboards, open-banking.io gives you a certificate-free path — no eIDAS certificate, no bank onboarding paperwork, no PSD2 licence of your own. You sign up, connect Regio Bank, and your data flows in already decryptable by a key that never leaves your device.

Regio Bank (BIC RBRBNL21) supports both business and personal accounts through open-banking.io, and each access consent lasts up to 180 days before Regio Bank asks you to re-approve.

How to connect Regio Bank

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

  1. Create an open-banking.io account and set an encryption passphrase. Your cryptographic keys are generated locally, on your own device, at this moment.
  2. In the dashboard, choose Regio Bank from the bank list and select the account type you want to link — business or personal.
  3. You are redirected to Regio Bank's own secure login, where you approve access under PSD2. Your credentials only ever go to the bank.
  4. Once you confirm, your Regio Bank accounts and transactions sync back into your dashboard, encrypted to your key.

That consent stays valid for up to 180 days, after which you simply repeat the approval on Regio Bank's screen.

Access your data

Reading Regio Bank data programmatically is an optional step you take after connecting. Open the Developers page in the dashboard, create an API key, and export a credentials.json — this file bundles your API key together with your private decryption key.

From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, nobody, not even open-banking.io, can read it. That is what zero-knowledge means here: the servers hold only your public key.

All of this runs for around EUR 3/month.

FAQ

Do I need an eIDAS certificate to access Regio Bank?

No. open-banking.io is certificate-free. You approve access on Regio Bank's own consent screen and never handle a certificate or PSD2 licence.

Can open-banking.io read my Regio Bank transactions?

No. Data is decrypted only on your device with a private key you alone hold. The service stores just your public key and encrypted data.

Does the CLI connect my Regio Bank account?

No. The CLI and SDK only read and sync connections you have already made in the dashboard. There is no connect command — linking always happens through Regio Bank's login.

Ready to start? Visit open-banking.io.