bunq (Romania) API Access & Open Banking Guide

bunq is a mobile-first European bank, and its Romanian customers can bring their account data into open-banking.io without touching a single certificate or eIDAS setup. open-banking.io is a zero-knowledge, certificate-free service covering 2,600+ EU and UK banks, where everything is decrypted locally with a key only you hold. Whether you run a personal bunq account or a business one, you get a single dashboard for balances and transactions — and, if you code, a clean path to read that data programmatically.

How to connect bunq

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated on your own device, so nobody else can decrypt your data.
  2. In the dashboard, pick bunq (Romania) and choose the account type you hold — personal or business.
  3. You are redirected to bunq's own secure login to approve access under PSD2. You authorise directly with the bank, never sharing credentials with us.
  4. Your accounts sync back into your dashboard. The consent lasts up to 180 days, after which you simply re-approve on bunq's screen.

Note that bunq has no fixed BIC listed for this integration, so account selection is handled in the dashboard rather than by bank code.

Access your data

Once bunq is connected, developers can optionally read the data programmatically. From the Developers page, create an API key and export a credentials.json — this bundles the API key plus your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests send the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — our servers never see readable data, holding only your public key.

All of this runs for around EUR 3/month, with no certificates and no eIDAS paperwork.

FAQ

Do I need an API key to connect bunq?

No. Connecting is done in the dashboard by approving access on bunq's own login. API keys are only for reading data afterwards.

Can open-banking.io read my bunq transactions?

No. The service is zero-knowledge — data is encrypted with keys only you control and decrypted on your device.

How long does bunq access last?

Up to 180 days per consent, then you re-authorise on bunq's secure screen.

Ready to start? Visit open-banking.io.