Triodos Bank API Access & Open Banking Integration

Triodos Bank is the Netherlands' pioneer of values-based banking, and open-banking.io lets you reach its account data without certificates, sandbox paperwork, or a bank-side developer programme. As a PSD2-licensed aggregator covering 2,600+ European banks, open-banking.io gives you a single, private route to your Triodos Bank balances and transactions — whether the account is business or personal.

The defining difference is privacy. open-banking.io is zero-knowledge: your encryption keys are generated on your own device from a passphrase only you know, and every figure that reaches you is decrypted locally. The servers hold nothing but your public key, so no one — not open-banking.io, not a third party — can read your Triodos data.

How to connect Triodos Bank

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 an open-banking.io account.
  2. Set your encryption passphrase; your private key is created locally on your device and never leaves it.
  3. In the dashboard, choose Triodos Bank (BIC TRIONL2U) and select the account type — business or personal.
  4. You're redirected to Triodos Bank's own secure login, where you approve access on the bank's PSD2 consent screen.
  5. Your accounts sync back into the dashboard, ready to view.

Consent lasts up to 180 days, after which you simply re-approve on the Triodos screen to keep the connection live.

Access your data

Once a connection exists, developers can optionally read it programmatically. 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 directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — which is exactly the point.

All of this runs for around EUR 3/month.

Do I need a developer account with Triodos Bank?

No. You approve access on Triodos Bank's consent screen through the open-banking.io dashboard — no bank-side developer programme or certificate is required.

Can the CLI connect my Triodos account?

No. The CLI and SDK only read and sync connections that already exist. Connecting is done in the dashboard by approving access at the bank.

Can open-banking.io see my Triodos transactions?

No. The service is zero-knowledge and stores only your public key. Data is decrypted on your device with a key held solely by you.

Start connecting Triodos Bank at open-banking.io.