PKO Bank Polski API Access & Open Banking Data

Reaching your PKO Bank Polski accounts through a single, tidy interface no longer means wrestling with eIDAS certificates or a PSD2 sandbox. open-banking.io links Poland's largest retail bank into one dashboard that covers 2,600+ institutions across the EU and UK, and it does so without ever holding readable copies of your data. Both business and personal PKO Bank Polski accounts are supported, and each authorisation stays valid for up to 180 days before you renew it.

The design is deliberately zero-knowledge: your encryption keys are generated on your own device, so open-banking.io stores only your public key and can never decrypt what syncs through it.

How to connect PKO Bank Polski

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

1. Sign up and set an encryption passphrase. Your private decryption key is created locally and never leaves your device.
2. In the dashboard, choose PKO Bank Polski and pick the account type — business or personal.
3. You are redirected to PKO Bank Polski's own secure login, where you approve access under PSD2 (consent lasts up to 180 days).
4. Control returns to your dashboard and your accounts and transactions sync in automatically.

That's the whole flow. Note that PKO Bank Polski's BIC is not published here (n/a), but you never need it — the bank is selected by name in the picker.

Access your data

Once a connection exists, developers can optionally read it programmatically. Open 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. Requests carry the X-Api-Key header, and every response is decrypted locally with your own key.

The CLI and SDK only read and sync connections you already approved — there is no connect command, and an API key alone returns nothing but ciphertext without your private key.

FAQ

Do I need a PSD2 certificate to use PKO Bank Polski here?

No. open-banking.io is certificate-free. You approve access directly on PKO Bank Polski's login screen — no eIDAS or QWAC setup required.

Can open-banking.io see my PKO Bank Polski balances?

No. The service is zero-knowledge and holds only your public key. Data is decrypted on your device with a key only you possess.

What does it cost?

Around EUR 3 per month for full access across every supported bank, including PKO Bank Polski.

Start at open-banking.io.