Ikano Bank API Access for Poland | open-banking.io

Reach live Ikano Bank (Poland) account data through a single open-banking.io connection. Instead of maintaining a bank-specific integration, you point your app at one REST API and pull a customer's personal accounts, balances and transaction history straight from Ikano Bank. Whether you're building a budgeting tool, an accounting sync, or an affordability check, the same endpoints you already use for 2,600+ other European banks work here too — Ikano Bank simply becomes another PSD2 source behind a familiar contract.

How to connect Ikano Bank

  1. Create an open-banking.io account and grab your API key.
  2. Call the connect endpoint with Ikano Bank selected as the institution for Poland.
  3. Redirect your user to Ikano Bank so they log in and approve the consent.
  4. Receive the authorised session back on your callback URL.
  5. Query accounts, balances and transactions using the returned reference.

What data you can access

Once the customer approves, you can read their personal accounts, current and available balances, and dated transaction records. Fields arrive in a normalised structure, so Ikano Bank responses line up with every other bank you integrate — no per-bank parsing branches to maintain.

Ikano Bank supports personal account access with a maximum consent window of 180 days, after which the customer re-authorises to keep the link active. A BIC is not published for this connection, so route requests using the Ikano Bank institution identifier from open-banking.io rather than a SWIFT code.

Privacy by design

open-banking.io is zero-knowledge: credentials are entered only on Ikano Bank's own login screen, never seen or stored by us. There are no eIDAS certificates to buy, register or renew — we handle the regulated PSD2 plumbing so you ship faster while staying compliant.

Pricing

Flat access from roughly EUR 3 per month, covering Ikano Bank alongside the full network of supported banks. No per-call surprises and no certificate overhead.

Do I need a PSD2 licence to use this?

No. open-banking.io provides the regulated access layer, so you connect to Ikano Bank without holding your own licence or certificates.

How often can I refresh Ikano Bank data?

You can pull fresh accounts, balances and transactions within the active consent, and renew the consent before its 180-day limit expires.

Is my customer's login safe?

Yes. Authentication happens entirely on Ikano Bank's site under our zero-knowledge model — we never receive banking credentials.

Start building with Ikano Bank today at open-banking.io.