Erste Bank API Access & Open Banking Data | open-banking.io

Erste Bank is one of Austria's largest retail banks, and open-banking.io lets you reach your Erste Bank accounts without certificates, eIDAS seals, or a PSD2 licence of your own. It is a zero-knowledge service covering 2,600+ EU and UK banks: your data is decrypted on your own device with a key that never leaves it. Erste Bank supports both business and personal accounts, and a single consent stays valid for up to 180 days before you re-approve. (Erste Bank has no single public BIC listed here — n/a.)

How to connect Erste Bank

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

  1. Sign up for open-banking.io and set an encryption passphrase. Your key pair is generated locally on your device, so only you can later decrypt what syncs.
  2. In the dashboard, choose Erste Bank and select whether you're linking a business or personal account.
  3. You're redirected to Erste Bank's own secure login (George / Erste's PSD2 consent screen), where you authenticate and approve access directly with the bank.
  4. Once approved, your Erste Bank accounts and transactions sync back into your dashboard and refresh automatically for the life of the 180-day consent.

open-banking.io never sees your Erste Bank credentials — you enter those only on the bank's page.

Access your data

Reading your data programmatically is an optional developer step you take after connecting. On the Developers page, create an API key and export a credentials.json — this 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext; without your private key it stays unreadable — even to open-banking.io, which holds only your public key.

Pricing is a flat ~EUR 3/month.

Do I need a developer account to connect Erste Bank?

No. Connecting is a point-and-click flow in the dashboard. API keys and credentials.json matter only if you later want to read data in code.

Can open-banking.io read my Erste Bank transactions?

No. It's zero-knowledge — the servers store only your public key and encrypted blobs. Decryption happens on your device.

How long does my Erste Bank access last?

Up to 180 days per consent, after which Erste Bank asks you to re-approve on its own login screen.

Start at open-banking.io.