ING Wholesale Banking (Portugal) API Access & Open Banking

Corporate treasurers and finance teams working with ING Wholesale Banking in Portugal can pull business account data into one place with open-banking.io — an EU/UK open-banking service covering 2,600+ banks. There are no eIDAS certificates to buy, no bank sponsorship to arrange, and no compliance paperwork: you authorise access yourself, directly with ING Wholesale Banking, and everything decrypts on your own device.

ING Wholesale Banking (Portugal) exposes business account types through open-banking.io. No BIC is published for this connection, and each PSD2 authorisation stays valid for up to 180 days before you re-approve it.

How to connect ING Wholesale Banking

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your device, so only you can ever read your data.
  2. In the dashboard, choose ING Wholesale Banking (Portugal) and select the business account type you want to link.
  3. You are redirected to ING Wholesale Banking's own secure login, where you approve the access request under PSD2.
  4. Once approved, your accounts sync back into your open-banking.io dashboard automatically and stay refreshed for the 180-day consent window.

Access your data

Reading data programmatically is an optional developer step you take after the bank 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections that already exist — they never create one.

Because open-banking.io is zero-knowledge, its servers hold only your public key and can never read or decrypt your account data. All of this runs at roughly EUR 3/month.

Does ING Wholesale Banking (Portugal) support personal accounts here?

No — this connection covers business account types only.

What can open-banking.io see about my accounts?

Nothing readable. It stores ciphertext plus your public key; decryption only happens on your device with the private key you control.

How often do I need to renew access?

ING Wholesale Banking consents last up to 180 days, after which you re-approve on the bank's login screen.

Start at open-banking.io.