open-banking.io

Open banking for everyone

Your banking data.

No certificates required.

We connect to your banks and give you full access to your accounts and transactions, whether you're an individual or a business. You skip the PSD2 (eIDAS) certificates and the paperwork entirely.

€3/month — 1 account included · No credit card required

See full pricing →

Three steps to your data

How it works

1

Sign up

Create an account with your email. Choose a passphrase to protect your encryption key.

2

Connect your banks

Select your bank and approve access through your bank's own login. There is nothing else to set up.

3

Access your data

Your accounts and transactions appear right away. Browse them in the app, export to CSV or PDF, or pull them through the API.

Personal or business — the same easy access

For everyone

Personal

• See all accounts in one place
• Track spending automatically
• Export to CSV or PDF
• No bank certificates required

Business

• All business accounts connected
• Connects directly to your accounting software
• Server-to-server API with your own key
• No PSD2/eIDAS certificates

Your data is yours. We can't even read it.

Built on trust

Encrypted with your key

Everything we store is sealed under a key only you hold. We keep ciphertext we can't read — your data is decrypted only on your own device.

Your bank login is never stored

Your login goes directly to your bank. We never see or store it.

You hold the key

The encryption key is generated on your device and never leaves it. We only hold the public key — enough to encrypt, but not to decrypt.

PSD2 regulated

We build on the EU's PSD2 directive and follow bank-grade security standards, in full compliance with the directive.

Read the full technical details →

Simple and transparent

Pricing

Open Banking Access

1 account included

€3/month

per additional account€1/month

Encrypted under a key only you hold

Unlimited bank connections

Real-time transaction sync

Full data export (CSV, PDF)

Server-to-server API keys

Priority support

No credit card required