Bank Pekao API Access & Open Banking Data

Bank Pekao is one of Poland's largest banks, serving both personal customers and businesses. If you want to pull your Bank Pekao balances and transactions into your own tools, open-banking.io gives you a single, PSD2-compliant path to that data — without wrestling with eIDAS certificates, sandbox registrations, or per-bank developer portals.

open-banking.io is a zero-knowledge service covering 2,600+ EU and UK banks for roughly EUR 3/month. Your Bank Pekao data is encrypted with a key that only you hold and decrypted locally on your own device, so no one — not even open-banking.io — can read it on the server.

How to connect Bank Pekao

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated right on your device.
  2. In the dashboard, search for and select Bank Pekao, then choose your account type — business or personal are both supported.
  3. You're redirected to Bank Pekao's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into your open-banking.io dashboard automatically.

A single consent stays valid for up to 180 days, after which you simply re-approve on Bank Pekao's screen to keep the connection live.

Access your data

Reading the data programmatically is an optional developer step you take after connecting. On the Developers page, create an API key and export a credentials.json — this 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.

Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. That's the heart of the zero-knowledge design: the API key alone only ever returns ciphertext — without your private key, the data stays unreadable.

Is a Bank Pekao BIC required?

No. A BIC is not needed to connect Bank Pekao through open-banking.io; you select the bank by name in the dashboard.

Can I connect a business account?

Yes. Both business and personal Bank Pekao account types are supported, and the connect flow is identical for each.

How long does access last before I re-authorise?

Up to 180 days per consent — the maximum PSD2 allows — then you re-approve on Bank Pekao's own consent page.

Ready to start? Connect your Bank Pekao accounts at open-banking.io.