Openbank Portugal API Access & Open Banking Data

Openbank, Santander's fully digital bank, gives Portuguese customers a modern current-account experience — and open-banking.io lets you turn that access into structured, private data you actually control. Instead of wrestling with eIDAS certificates or a sandbox onboarding, you link Openbank once and read balances and transactions on your own terms. Both business and personal Openbank accounts (BIC OPENESMMXXX) are supported, and a single approval keeps data flowing for up to 180 days before you renew.

How to connect Openbank

Connecting happens entirely inside the open-banking.io dashboard — there is no endpoint to call and no key to paste. The steps:

1. Sign up at open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally, on your device, so only you can later unlock the data.
2. In the dashboard, search for Openbank and choose the account type — business or personal.
3. You are redirected to Openbank's own secure login, where you authenticate and approve the PSD2 access request. open-banking.io never sees your credentials.
4. Once you confirm, your Openbank accounts sync back into the dashboard and refresh automatically within the 180-day consent window.

That's the whole flow. No developer redirect handles the account holder, and no CLI command performs the connection — the bank's consent screen does.

Access your data

Reading Openbank data programmatically is an optional step for developers, taken after the account is already linked. Open the Developers page, create an API key, and export a credentials.json — it bundles the API key together with your private decryption key. From there:

• Use the CLI: openbanking accounts, openbanking transactions, openbanking sync.
• Or call the REST API / SDK, sending the X-Api-Key header on every request.

Each response arrives encrypted and is decrypted locally with your key. This is what zero-knowledge means in practice: open-banking.io stores only your public key, so its servers can never read your Openbank statements. An API key alone returns nothing but ciphertext without your private key.

The service is certificate-free, covers 2,600+ EU/UK banks, and costs around EUR 3/month.

FAQ

Do I need a developer account to link Openbank?

No. Connecting is done in the dashboard by any user. API keys are only needed if you later want to pull data via the CLI, SDK, or REST API.

How long does my Openbank access last?

Up to 180 days per approval, the PSD2 maximum. Re-approve on Openbank's login screen to continue syncing.

Can open-banking.io see my transactions?

No. Data is decrypted only on your device with a key you hold. The servers keep just your public key.

Start at open-banking.io.