HSBC Poland API Access & Open Banking Integration

Pulling live data out of HSBC's Polish corporate accounts usually means wrestling with certificates and sandbox onboarding. open-banking.io removes that friction: it speaks PSD2 to HSBC (Poland) on your behalf and hands you clean, locally-decrypted account and transaction data. HSBC (Poland) operates under BIC HBUKGB4BXXX and supports business account access, with consent authorisations lasting up to 180 days before renewal.

Everything is zero-knowledge. Your encryption keys are generated on your own device from a passphrase only you know, so open-banking.io's servers only ever hold your public key — they can store ciphertext but can never read your balances. No eIDAS certificate, no QSEAL, no compliance paperwork on your side.

How to connect HSBC

Connecting is done 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 your encryption passphrase; your private key is created locally, never uploaded.
  2. In the dashboard, choose HSBC (Poland) and select the business account type.
  3. You are redirected to HSBC's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your HSBC accounts sync straight into your open-banking.io dashboard.

Because approval happens on HSBC's site, your banking credentials are never seen by open-banking.io.

Access your data

Reading the data programmatically is an optional developer step that comes after the connection exists. 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. An API key on its own only ever returns ciphertext, so nothing readable can leak server-side. Note the CLI and SDK only read or sync connections you already made in the dashboard.

All of this runs for roughly EUR 3/month.

Does open-banking.io work with HSBC business accounts?

Yes. HSBC (Poland) is supported for business account access under BIC HBUKGB4BXXX.

Up to 180 days, after which you re-approve access on HSBC's consent screen.

Can open-banking.io read my HSBC data?

No. It is zero-knowledge and holds only your public key; decryption happens on your device with a private key only you control.

Start connecting HSBC at open-banking.io.