bunq

bunq is a European (Dutch) neobank offering personal and business accounts across the EU. Its Public API is a REST API over HTTPS (https://api.bunq.com/v1, sandbox https://public-api.sandbox.bunq.com/v1) that lets account holders and licensed third parties read accounts, initiate SEPA and internal payments, send and answer payment requests, manage cards, export statements, upload attachments, and subscribe to event callbacks. bunq uses a distinctive multi-step handshake - installation (register an RSA public key), device-server, then session-server - after which requests are RSA-signed with X-Bunq-Client-Signature and authenticated with a session token in X-Bunq-Client-Authentication.

bunq publishes 9 APIs on the APIs.io network, including Attachment API, Card API, Customer Statement API, and 6 more. Tagged areas include Banking, Neobank, Payments, Account, and SEPA.

bunq’s developer surface includes authentication, documentation, sandbox, pricing, engineering blog, and 14 more developer resources.

🌐 Visit website 📡 Source on GitHub

37.7/100 thin ▬ flat Agent 20/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreemiumSelf serve⚡ Free to try

1 APIs

Banking Neobank Payments Account SEPA Open Banking Fintech Europe Netherlands

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 37.7/100 · thin

Contract Quality 10.6 / 19

Developer Ergonomics 5.4 / 15

Access Clarity 5.5 / 15

Operational Transparency 2.6 / 10

Contract Governance 0.0 / 9

Discoverability 5.1 / 8

Regulatory Posture 4.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/bunq: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

Individual APIs this provider publishes, each with its own machine-readable definition.

bunq Attachment API

Upload and retrieve attachment content.

bunq Card API

Debit and credit cards linked to monetary accounts.

bunq Customer Statement API

Generate and download account statement exports (CSV, MT940, PDF).

bunq Handshake API

Installation, device registration, and session bootstrap. Establishes the RSA-signed API context.

bunq Monetary Account API

Bank, savings, and joint accounts holding money.

bunq Notification Filter API

Manage URL (webhook) and push notification callbacks for account events.

bunq Payment API

Execute and read payments (including SEPA) for a monetary account.

bunq Request Inquiry API

Create and read payment requests (money you ask another party to pay).

bunq User API

The authenticated user (person, company, or payment service provider).

Scroll for all 9

Open Collections 11

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

bunq Public Attachment API

OPEN COLLECTION

bunq Public Attachment Card API

OPEN COLLECTION

bunq Public Attachment Customer Statement API

OPEN COLLECTION

bunq Public Attachment Handshake API

OPEN COLLECTION

bunq Public Attachment Monetary Account API

OPEN COLLECTION

bunq Public Attachment Notification Filter API

OPEN COLLECTION

bunq Public Attachment Payment API

OPEN COLLECTION

bunq Public Attachment Request Inquiry API

OPEN COLLECTION

bunq Public Attachment User API

OPEN COLLECTION

bunq Public API

OPEN COLLECTION

Scroll for all 11

Pricing Plans 1

Published pricing tiers and plan structures.

Bunq Plans Pricing

7 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Bunq Rate Limits

6 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Bunq Finops

FINOPS

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Bunq Authentication

apiKey/signature · 3 schemes

SECURITY

Bunq Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Bunq Vulnerability Disclosure

security.txt · contact published

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Bunq Agentic Access

28 operations · 11 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Sandbox

Sandbox

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

StatusPage

StatusPage

Commercial 4

Pricing, plans, and the legal terms of use

Plans

FinOps

Pricing

TermsOfService

Company 4

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

BlogRSS

BlogRSS

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: bunq
url: https://raw.githubusercontent.com/api-evangelist/bunq/refs/heads/main/apis.yml
name: bunq
kind: company
description: bunq is a European (Dutch) neobank offering personal and business accounts across the EU. Its Public API is a
  REST API over HTTPS (https://api.bunq.com/v1, sandbox https://public-api.sandbox.bunq.com/v1) that lets account holders
  and licensed third parties read accounts, initiate SEPA and internal payments, send and answer payment requests, manage
  cards, export statements, upload attachments, and subscribe to event callbacks. bunq uses a distinctive multi-step handshake
  - installation (register an RSA public key), device-server, then session-server - after which requests are RSA-signed with
  X-Bunq-Client-Signature and authenticated with a session token in X-Bunq-Client-Authentication.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bunq.png
tags:
- Banking
- Neobank
- Payments
- Account
- SEPA
- Open Banking
- Fintech
- Europe
- Netherlands
tags_raw:
- Banking
- Neobank
- Payments
- Accounts
- SEPA
- Open Banking
- Fintech
- Europe
- Netherlands
created: '2023-11-13'
modified: '2026-07-12'
specificationVersion: '0.23'
apis:
- aid: bunq:bunq-attachment-api
  name: bunq Attachment API
  description: Upload and retrieve attachment content.
  humanURL: https://doc.bunq.com/basics/authentication
  baseURL: https://api.bunq.com/v1
  tags:
  - Attachment
  properties:
  - type: OpenAPI
    url: openapi/bunq-attachment-api-openapi.yml
  - type: Documentation
    url: https://doc.bunq.com/basics/authentication
  - type: APIReference
    url: https://doc.bunq.com/basics/signing
  - type: PostmanCollection
    url: collections/bunq.postman_collection.json
  - type: OpenCollection
    url: collections/bunq.opencollection.json
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/user
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/monetary-account
  - type: Documentation
    url: https://doc.bunq.com/payment/payment
  - type: Documentation
    url: https://doc.bunq.com/request/request-inquiry
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/card
  - type: Documentation
    url: https://doc.bunq.com/content-and-exports
  - type: Documentation
    url: https://doc.bunq.com/customer-statements
  - type: Documentation
    url: https://doc.bunq.com/basics/callbacks-webhooks
  - type: APIReference
    url: https://doc.bunq.com/notification-filter
- aid: bunq:bunq-card-api
  name: bunq Card API
  description: Debit and credit cards linked to monetary accounts.
  humanURL: https://doc.bunq.com/basics/authentication
  baseURL: https://api.bunq.com/v1
  tags:
  - Card
  properties:
  - type: OpenAPI
    url: openapi/bunq-card-api-openapi.yml
  - type: Documentation
    url: https://doc.bunq.com/basics/authentication
  - type: APIReference
    url: https://doc.bunq.com/basics/signing
  - type: PostmanCollection
    url: collections/bunq.postman_collection.json
  - type: OpenCollection
    url: collections/bunq.opencollection.json
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/user
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/monetary-account
  - type: Documentation
    url: https://doc.bunq.com/payment/payment
  - type: Documentation
    url: https://doc.bunq.com/request/request-inquiry
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/card
  - type: Documentation
    url: https://doc.bunq.com/content-and-exports
  - type: Documentation
    url: https://doc.bunq.com/customer-statements
  - type: Documentation
    url: https://doc.bunq.com/basics/callbacks-webhooks
  - type: APIReference
    url: https://doc.bunq.com/notification-filter
- aid: bunq:bunq-customer-statement-api
  name: bunq Customer Statement API
  description: Generate and download account statement exports (CSV, MT940, PDF).
  humanURL: https://doc.bunq.com/basics/authentication
  baseURL: https://api.bunq.com/v1
  tags:
  - Customer Statement
  properties:
  - type: OpenAPI
    url: openapi/bunq-customer-statement-api-openapi.yml
  - type: Documentation
    url: https://doc.bunq.com/basics/authentication
  - type: APIReference
    url: https://doc.bunq.com/basics/signing
  - type: PostmanCollection
    url: collections/bunq.postman_collection.json
  - type: OpenCollection
    url: collections/bunq.opencollection.json
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/user
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/monetary-account
  - type: Documentation
    url: https://doc.bunq.com/payment/payment
  - type: Documentation
    url: https://doc.bunq.com/request/request-inquiry
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/card
  - type: Documentation
    url: https://doc.bunq.com/content-and-exports
  - type: Documentation
    url: https://doc.bunq.com/customer-statements
  - type: Documentation
    url: https://doc.bunq.com/basics/callbacks-webhooks
  - type: APIReference
    url: https://doc.bunq.com/notification-filter
- aid: bunq:bunq-handshake-api
  name: bunq Handshake API
  description: Installation, device registration, and session bootstrap. Establishes the RSA-signed API context.
  humanURL: https://doc.bunq.com/basics/authentication
  baseURL: https://api.bunq.com/v1
  tags:
  - Handshake
  properties:
  - type: OpenAPI
    url: openapi/bunq-handshake-api-openapi.yml
  - type: Documentation
    url: https://doc.bunq.com/basics/authentication
  - type: APIReference
    url: https://doc.bunq.com/basics/signing
  - type: PostmanCollection
    url: collections/bunq.postman_collection.json
  - type: OpenCollection
    url: collections/bunq.opencollection.json
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/user
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/monetary-account
  - type: Documentation
    url: https://doc.bunq.com/payment/payment
  - type: Documentation
    url: https://doc.bunq.com/request/request-inquiry
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/card
  - type: Documentation
    url: https://doc.bunq.com/content-and-exports
  - type: Documentation
    url: https://doc.bunq.com/customer-statements
  - type: Documentation
    url: https://doc.bunq.com/basics/callbacks-webhooks
  - type: APIReference
    url: https://doc.bunq.com/notification-filter
- aid: bunq:bunq-monetary-account-api
  name: bunq Monetary Account API
  description: Bank, savings, and joint accounts holding money.
  humanURL: https://doc.bunq.com/basics/authentication
  baseURL: https://api.bunq.com/v1
  tags:
  - Monetary Account
  properties:
  - type: OpenAPI
    url: openapi/bunq-monetary-account-api-openapi.yml
  - type: Documentation
    url: https://doc.bunq.com/basics/authentication
  - type: APIReference
    url: https://doc.bunq.com/basics/signing
  - type: PostmanCollection
    url: collections/bunq.postman_collection.json
  - type: OpenCollection
    url: collections/bunq.opencollection.json
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/user
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/monetary-account
  - type: Documentation
    url: https://doc.bunq.com/payment/payment
  - type: Documentation
    url: https://doc.bunq.com/request/request-inquiry
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/card
  - type: Documentation
    url: https://doc.bunq.com/content-and-exports
  - type: Documentation
    url: https://doc.bunq.com/customer-statements
  - type: Documentation
    url: https://doc.bunq.com/basics/callbacks-webhooks
  - type: APIReference
    url: https://doc.bunq.com/notification-filter
- aid: bunq:bunq-notification-filter-api
  name: bunq Notification Filter API
  description: Manage URL (webhook) and push notification callbacks for account events.
  humanURL: https://doc.bunq.com/basics/authentication
  baseURL: https://api.bunq.com/v1
  tags:
  - Notification Filter
  properties:
  - type: OpenAPI
    url: openapi/bunq-notification-filter-api-openapi.yml
  - type: Documentation
    url: https://doc.bunq.com/basics/authentication
  - type: APIReference
    url: https://doc.bunq.com/basics/signing
  - type: PostmanCollection
    url: collections/bunq.postman_collection.json
  - type: OpenCollection
    url: collections/bunq.opencollection.json
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/user
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/monetary-account
  - type: Documentation
    url: https://doc.bunq.com/payment/payment
  - type: Documentation
    url: https://doc.bunq.com/request/request-inquiry
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/card
  - type: Documentation
    url: https://doc.bunq.com/content-and-exports
  - type: Documentation
    url: https://doc.bunq.com/customer-statements
  - type: Documentation
    url: https://doc.bunq.com/basics/callbacks-webhooks
  - type: APIReference
    url: https://doc.bunq.com/notification-filter
- aid: bunq:bunq-payment-api
  name: bunq Payment API
  description: Execute and read payments (including SEPA) for a monetary account.
  humanURL: https://doc.bunq.com/basics/authentication
  baseURL: https://api.bunq.com/v1
  tags:
  - Payment
  properties:
  - type: OpenAPI
    url: openapi/bunq-payment-api-openapi.yml
  - type: Documentation
    url: https://doc.bunq.com/basics/authentication
  - type: APIReference
    url: https://doc.bunq.com/basics/signing
  - type: PostmanCollection
    url: collections/bunq.postman_collection.json
  - type: OpenCollection
    url: collections/bunq.opencollection.json
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/user
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/monetary-account
  - type: Documentation
    url: https://doc.bunq.com/payment/payment
  - type: Documentation
    url: https://doc.bunq.com/request/request-inquiry
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/card
  - type: Documentation
    url: https://doc.bunq.com/content-and-exports
  - type: Documentation
    url: https://doc.bunq.com/customer-statements
  - type: Documentation
    url: https://doc.bunq.com/basics/callbacks-webhooks
  - type: APIReference
    url: https://doc.bunq.com/notification-filter
- aid: bunq:bunq-request-inquiry-api
  name: bunq Request Inquiry API
  description: Create and read payment requests (money you ask another party to pay).
  humanURL: https://doc.bunq.com/basics/authentication
  baseURL: https://api.bunq.com/v1
  tags:
  - Request Inquiry
  properties:
  - type: OpenAPI
    url: openapi/bunq-request-inquiry-api-openapi.yml
  - type: Documentation
    url: https://doc.bunq.com/basics/authentication
  - type: APIReference
    url: https://doc.bunq.com/basics/signing
  - type: PostmanCollection
    url: collections/bunq.postman_collection.json
  - type: OpenCollection
    url: collections/bunq.opencollection.json
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/user
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/monetary-account
  - type: Documentation
    url: https://doc.bunq.com/payment/payment
  - type: Documentation
    url: https://doc.bunq.com/request/request-inquiry
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/card
  - type: Documentation
    url: https://doc.bunq.com/content-and-exports
  - type: Documentation
    url: https://doc.bunq.com/customer-statements
  - type: Documentation
    url: https://doc.bunq.com/basics/callbacks-webhooks
  - type: APIReference
    url: https://doc.bunq.com/notification-filter
- aid: bunq:bunq-user-api
  name: bunq User API
  description: The authenticated user (person, company, or payment service provider).
  humanURL: https://doc.bunq.com/basics/authentication
  baseURL: https://api.bunq.com/v1
  tags:
  - User
  properties:
  - type: OpenAPI
    url: openapi/bunq-user-api-openapi.yml
  - type: Documentation
    url: https://doc.bunq.com/basics/authentication
  - type: APIReference
    url: https://doc.bunq.com/basics/signing
  - type: PostmanCollection
    url: collections/bunq.postman_collection.json
  - type: OpenCollection
    url: collections/bunq.opencollection.json
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/user
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/monetary-account
  - type: Documentation
    url: https://doc.bunq.com/payment/payment
  - type: Documentation
    url: https://doc.bunq.com/request/request-inquiry
  - type: Documentation
    url: https://doc.bunq.com/basics/bunq-api-objects/card
  - type: Documentation
    url: https://doc.bunq.com/content-and-exports
  - type: Documentation
    url: https://doc.bunq.com/customer-statements
  - type: Documentation
    url: https://doc.bunq.com/basics/callbacks-webhooks
  - type: APIReference
    url: https://doc.bunq.com/notification-filter
common:
- type: CapabilityMap
  url: capabilities/bunq-capability-edges.yml
  name: bunq Business Capability Map
- type: AgenticAccess
  url: agentic-access/bunq-agentic-access.yml
- type: Authentication
  url: authentication/bunq-authentication.yml
- type: VulnerabilityDisclosure
  url: security/bunq-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/bunq-domain-security.yml
- type: GitHubOrganization
  url: https://github.com/bunq
- type: LinkedIn
  url: https://www.linkedin.com/company/bunq
- type: Website
  url: https://www.bunq.com/
- type: Documentation
  url: https://doc.bunq.com/
- type: DeveloperPortal
  url: https://developer.bunq.com/
- type: Plans
  url: plans/bunq-plans-pricing.yml
- type: RateLimits
  url: rate-limits/bunq-rate-limits.yml
- type: FinOps
  url: finops/bunq-finops.yml
- type: Sandbox
  url: https://beta.doc.bunq.com/basics/sandbox
- type: StatusPage
  url: https://status.bunq.com/
- type: Pricing
  url: https://www.bunq.com/en-us/documents/pricing-sheet
- type: TermsOfService
  url: https://www.bunq.com/documents/terms-conditions
- type: Blog
  url: https://medium.com/bunq-developers-corner
- url: https://medium.com/feed/bunq-developers-corner
  type: BlogRSS
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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