Openbank API Access — Connect Openbank (Portugal)

Pull live data from your Openbank (Portugal) accounts without wrestling with bank-specific integrations. open-banking.io gives developers and finance teams a single, standards-based gateway to Santander's digital bank in Portugal, so account information flows straight into your product, ledger or dashboard through one consistent API call.

Openbank runs on the same PSD2 rails as the rest of Europe, and our layer smooths over the differences. You authenticate once, the customer approves access in Openbank's own app, and structured data starts arriving — no scraping, no fragile screen automation.

How to connect Openbank

1. Create an open-banking.io account and grab your API key.
2. Select Openbank (Portugal) from the coverage list (BIC OPENESMMXXX).
3. Redirect the account holder to Openbank's secure SCA screen to grant consent.
4. Receive the consent token and begin requesting data over REST or webhooks.

What data you can access

• Accounts — identifiers, IBANs and metadata for both personal and business products.
• Balances — current and available amounts, refreshed on demand.
• Transactions — dated, categorised entries with counterparties and references.

Consent and coverage

Openbank supports both personal and business account types. A single authorisation stays valid for up to 180 days before the customer re-confirms, keeping long-running syncs uninterrupted. Openbank is one of 2,600+ banks reachable through the same open-banking.io endpoints across the EU and UK.

Privacy by design

We operate a zero-knowledge model: credentials never touch our systems, and we don't store the banking data passing through. There are no eIDAS certificates to buy, host or renew — we handle the regulated plumbing so you skip the paperwork and ship faster.

Pricing

One flat plan from roughly EUR 3/month covers Openbank alongside every other supported institution. No per-connection fees, no setup charges.

FAQ

Do I need my own bank licence or certificates?

No. open-banking.io provides the regulated access, so you connect to Openbank without a licence or QWAC/QSeal certificates.

Can I access both personal and business accounts?

Yes. Openbank exposes personal and business products, and both are available through the same integration.

How long does one consent last?

Up to 180 days, after which the account holder simply re-authorises to continue syncing.

Ready to build? Start at open-banking.io.