bunq Portugal API Access & Open Banking Data

Reaching your bunq (Portugal) account data no longer means wrestling with sandbox portals, certificates or eIDAS paperwork. open-banking.io gives you a single, privacy-first route to your Portuguese bunq balances and transactions — covering both personal and business accounts — with the numbers decrypted on your own device using a key only you hold.

bunq is a mobile-first European neobank, so there is no branch BIC to chase down (BIC is n/a here). What matters is a clean, standardised feed of your account activity, refreshed under a PSD2 consent that stays valid for up to 180 days before you re-approve.

How to connect bunq

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 an open-banking.io account.
  2. Set an encryption passphrase. Your cryptographic keys are generated locally on your own device, so nobody else can reconstruct them.
  3. In the dashboard, choose bunq and pick your account type — personal or business.
  4. You are redirected to bunq's own secure login, where you approve access on bunq's PSD2 consent screen.
  5. Your accounts sync back into the dashboard, ready to view.

That's it — no developer redirect, no manual token handling, no certificates.

Access your data

Once bunq is connected, reading the data programmatically is an optional developer step. From 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 directly.

Every request authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. Because open-banking.io is zero-knowledge, its servers only ever hold your public key — an API key on its own returns ciphertext, never readable data. The CLI and SDK only read and sync connections you have already made; there is no connect command.

All of this runs at around EUR 3/month, certificate-free.

Does bunq (Portugal) support business accounts?

Yes. Both personal and business bunq accounts can be connected and read through open-banking.io.

Up to 180 days. After that, you simply re-approve access on bunq's consent screen to keep your data syncing.

Can open-banking.io see my bunq transactions?

No. Data is decrypted only on your device with a key you alone hold. The service is zero-knowledge and stores just your public key.

Ready to start? Visit open-banking.io.