DiPocket Open Banking & API Access | open-banking.io

Looking to work with your DiPocket data programmatically? open-banking.io gives you PSD2-grade access to DiPocket accounts without certificates, sandbox paperwork, or a bank-by-bank integration project. DiPocket (BIC DIUALT22) covers both business and personal accounts, and open-banking.io reads them alongside 2,600+ other EU and UK institutions through one privacy-first service.

The difference is where the trust sits. open-banking.io is zero-knowledge: your encryption keys are generated on your own device and never leave it, so the platform stores only your public key and can never read or decrypt your DiPocket balances and transactions. Everything you retrieve is unlocked locally, by you.

How to connect DiPocket

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 open-banking.io and set an encryption passphrase. Your private keys are created on your device at this moment.
  2. In the dashboard, search for and select DiPocket, then choose the account type you want to link — business or personal.
  3. You are redirected to DiPocket's own secure login, where you approve access under PSD2 consent, valid for up to 180 days before you renew it.
  4. Your DiPocket accounts sync back into the dashboard, ready to view.

No developer redirect touches the account holder, and DiPocket credentials are only ever entered on DiPocket's own screen.

Access your data

Once DiPocket is connected, developers can optionally read it in code. 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. Every request carries the X-Api-Key header, and because the response arrives encrypted, it is decrypted locally with your own key. An API key on its own returns only ciphertext — the readable data never exists on our servers.

The CLI and SDK only read and sync connections you already made in the dashboard; there is no connect command.

At around EUR 3/month, it is a certificate-free alternative to building your own PSD2 stack.

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

No. It holds only your public key, so data stays encrypted until you decrypt it locally.

Which DiPocket accounts are supported?

Both business and personal DiPocket accounts (BIC DIUALT22).

How long does access last?

Each DiPocket consent runs for up to 180 days, after which you re-approve on DiPocket's login screen.

Get started at open-banking.io.