Nest Bank API Access & Open Banking Data | Poland

Nest Bank serves entrepreneurs, small businesses, and individuals across Poland, and its account data is exactly the kind of thing you want flowing into your own tools — bookkeeping, cash-flow dashboards, or a personal budget. open-banking.io gives you that access without the usual PSD2 friction: no eIDAS certificates, no bank sandbox onboarding, and no server that can ever read your figures. Everything is decrypted on your device with a key only you hold. Nest Bank (BIC NESBPLPW) is reachable for both business and personal accounts, with consent lasting up to 180 days before you re-approve.

How to connect Nest Bank

Connecting happens entirely inside the open-banking.io dashboard — there is no code, endpoint, or API key involved in this step.

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally, on your own device, the moment you set it.
  2. In the dashboard, search for Nest Bank and choose the account type you hold — business or personal.
  3. You are redirected to Nest Bank's own secure login, where you approve the access request (standard PSD2 consent) directly with the bank.
  4. Once approved, your Nest Bank accounts and transactions sync back into your dashboard, ready to view.

That consent stays valid for up to 180 days, after which you simply repeat the approval on Nest Bank's screen.

Access your data

Programmatic access is an optional step you take after the account is connected. 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, there is nothing readable to see, which is what makes the service zero-knowledge.

FAQ

Do I need a developer account or certificate to start?

No. Connecting Nest Bank is done in the dashboard by approving access on the bank's own login. Certificates and API keys are never required to connect.

Can open-banking.io staff see my Nest Bank balances?

No. The servers hold only your public key. Your data is encrypted end to end and decrypted only on your device.

What does it cost?

Around EUR 3 per month for access across 2,600+ supported EU and UK banks, Nest Bank included.

Ready to begin? Visit open-banking.io.