SumUp Poland API Access & Open Banking Data

Merchants running a SumUp business account in Poland can pull their balances and transactions into one place with open-banking.io — a PSD2 service covering 2,600+ European banks. SumUp (BIC SUMUIE22) issues business accounts, and a single consent stays valid for up to 180 days before you renew it, so you rarely have to re-authorise. Everything you sync is encrypted end to end and decrypted only on your own device, using a key that never leaves it.

How to connect SumUp

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

  1. Sign up for open-banking.io and set an encryption passphrase. Your key pair is generated locally on your device; the service only ever sees your public key.
  2. In the dashboard, choose SumUp from the bank list and select the business account type.
  3. You are redirected to SumUp's own secure login, where you approve access on their consent screen (standard PSD2 authorisation).
  4. Your SumUp accounts sync back into the dashboard, ready to view and refresh.

Because SumUp handles the login on its own domain, open-banking.io never touches your banking credentials.

Access your data

Want the data programmatically? That is an optional step you take after the connection exists. 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 you can 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. An API key on its own only ever returns ciphertext — without your private key, the payload stays unreadable, which is exactly how zero-knowledge is meant to work. Note the CLI and SDK only read and sync existing connections; there is no connect command.

The model is certificate-free — no eIDAS QWAC, no PSD2 licence, no infrastructure to maintain on your side. Pricing is roughly EUR 3/month.

FAQ

Does open-banking.io need a SumUp developer account?

No. You authorise access on SumUp's normal consent screen; no developer registration or certificate is required.

Can I connect SumUp using the CLI or an API key?

No. Connecting is a dashboard-only action. The CLI, SDK, and API keys only read and sync accounts you have already linked.

Who can decrypt my SumUp data?

Only you. The servers hold just your public key, so all decryption happens on your device with the private key you control.

Start at open-banking.io.