OAuth

OAuth 2.0 is a protocol that will let your app connect to bunq users in a safe and easy way. Please be aware that if you will gain access to the account information of other bunq users or initiate a payment for them, you may require a PSD2 permit.

What can my apps do with OAuth?

The permissions OAuth allows are the following:

• read and create Monetary Accounts;

• read Payments & Transactions;

• create Payments between Monetary Accounts of the same user;

• create Draft-Payments (the user will need to approve the payment using the bunq app);

• assign a Monetary account to a Card;

• read, create and manage Cards;

• read and create Request-Inquiries

• read Request-Responses.

As a PSD2-licensed developer, you are limited to the permission scopes of your role.

Get started with OAuth

To initiate authorization into the bunq user accounts, you need to create an OAuth Client and register at least 1 redirect URL for it.

You can have 1 OAuth Client at a time. Reuse your OAuth credentials for every authorization request.

The list of steps below will help you to get started:

1. Register an OAuth Client by creating an app in bunq Developer.
2. Add one or more redirect URLs.

3. Get your client_id and secret from your app information tab in bunq Developer.
4. Redirect your users to the OAuth authorization request URL.
5. If the user accepts the authorization request, they will be redirected to the previously specified redirect_uri with an authorization code parameter.

6. Use the token endpoint to exchange the authorization code for an access_token.
7. Use the access_token as a normal API Key. Open a session or use our SDKs to get started.

You can set up an OAuth Client and add redirect URLs to it using the dedicated endpoints too. Follow the flow below to do it programmatically.

As a PSD2 user, you cannot log in to the bunq app. You need to follow the flow below to register an OAuth Client for your application.

Authorization Request

Your web or mobile app must redirect users https://oauth.bunq.com/auth using the following parameters:

• response_type - bunq supports the authorization code grant. Provide code as a parameter (required);

• client_id - your Client ID that you can get from the bunq app (required);

• redirect_uri - the URL you wish the user to be redirected to after the authorization is complete (required);

• state - a unique string to be passed back upon completion (optional).

Usehttps://oauth.sandbox.bunq.com/authin the sandbox environment.

Authorization request example:

https://oauth.bunq.com/auth?response_type=code
&client_id=1cc540b6e7a4fa3a862620d0751771500ed453b0bef89cd60e36b7db6260f813
&redirect_uri=https://www.bunq.com
&state=594f5548-6dfb-4b02-8620-08e03a9469e6

Authorization request response example:

https://www.bunq.com/?code=7d272be434a75933f40c13d56aef6c31496005b653074f7d6ac57029d9995d30
&state=594f5548-6dfb-4b02-8620-08e03a9469e6

Token Exchange

If the authorization request is accepted by the user, you get the authorization code. Exchange it for an access_token.

Make a POST call to https://api.oauth.bunq.com/v1/token . Pass the following parameters as GET variables:

• grant_type - the grant type used, use authorization_code for now (required)

• code - the authorization Code you received after the authorization request was accepted (required)

• redirect_uri - the same redirect URL you used with the authorization request (required)

• client_id - your Client ID (required)

• client_secret - your Client Secret (required)

Usehttps://api-oauth.sandbox.bunq.com/v1/tokenin the sandbox environment.

Token request example:

https://api.oauth.bunq.com/v1/token?grant_type=authorization_code
&code=7d272be434a75933f40c13d56aef6c31496005b653074f7d6ac57029d9995d30
&redirect_uri=https://www.bunq.com/
&client_id=1cc540b6e7a4fa3a862620d0751771500ed453b0bef89cd60e36b7db6260f813
&client_secret=184f969765f6f74f53bf563ae3e9f891aec9179157601d25221d57f2f1151fd5

The request should only contain URL parameters. No body is expected.

Example of a successful response:

{
    "access_token": "8baec0ac1aafca3345d5b811042feecfe0272514c5d09a69b5fbc84cb1c06029",
    "token_type": "bearer",
    "state": "594f5548-6dfb-4b02-8620-08e03a9469e6"
}

Example of an error response:

{
    "error": "invalid_grant",
    "error_description": "The authorization code is invalid or expired."
}

What's next?

The access_token you've received can be used as a normal API key. Use it to create an authorized session with the user account.

User ID vs item IDs

When connecting to a bunq user's account using OAuth, you create a new user (userApiKey) that has its own id and access_token . When sending a request on behalf of a user connected to your app via OAuth, use the id of userApiKey as userId and the item ids of the bunq user (grantedByUser).

Example of a successful request URL:

https://api.bunq.com/user/{userApiKey's userId}/monetary-account/{grantedByUser's monetary-accountId}/payment

When calling GET /user/{userID},you will expect to get UserPerson or UserCompany. Instead, you will get the UserApiKey object, which contains references to both the user that requested access (you) and the user that granted access (the bunq user account that your app is connected to).

Using the Connect button

Ready to connect to bunq users to your application? Do it with a Connect to bunq button. Feel free to use our style guide and prebuilt design assets.

• Style guide
• Connect button assets