bunq (Sweden) API Access & Open Banking | open-banking.io

Reaching your bunq data in Sweden shouldn't require a corporate PSD2 licence, an eIDAS certificate, or weeks of onboarding. open-banking.io gives you a single, private route to your bunq personal and business accounts — part of a network spanning 2,600+ European banks. You connect once, your balances and transactions sync into a dashboard, and everything is decrypted on your own device with a key that never leaves it.

bunq is a mobile-first neobank, and its Swedish accounts fit neatly into this model. There is no public BIC to track here (BIC n/a), so open-banking.io handles the identification for you behind the scenes.

How to connect bunq

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

1. Sign up for open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally on your device at this moment.
2. In the dashboard, select bunq and choose the account type you need — personal or business.
3. You are redirected to bunq's own secure login, where you approve access under PSD2 consent. open-banking.io never sees your credentials.
4. Your accounts appear in the dashboard and begin syncing. Consent lasts up to 180 days, after which you simply re-approve on bunq's screen.

Access your data

Want to work with the data programmatically? That's an optional developer step you take after the connection above exists. On the Developers page, create an API key and export a credentials.json file — it 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections that already exist — they never create one. Without your private key, an API key alone returns nothing but ciphertext.

This is what zero-knowledge means in practice: open-banking.io stores only your public key, so its servers can never read or decrypt your bunq data. No certificates, no bank-grade infrastructure — just ~EUR 3/month.

Does open-banking.io work with bunq business accounts?

Yes. Both personal and business bunq accounts are supported in the dashboard.

How often do I need to reconnect?

bunq consent is valid for up to 180 days. When it expires, re-approve access on bunq's own login screen.

Can open-banking.io see my transactions?

No. Data is decrypted only on your device with a key you alone hold. The servers store your public key and encrypted data — nothing readable.

Start at open-banking.io.