UniCredit Bank Austria API Access & Open Banking

Reaching your UniCredit Bank Austria account data no longer means wrestling with bank-specific portals or juggling TLS certificates. open-banking.io gives you one consistent, PSD2-compliant path to your Austrian accounts — and because it is zero-knowledge, every figure that lands in front of you is decrypted on your own device with a key only you hold. UniCredit Bank Austria supports both business and personal accounts, and a single approval keeps your access live for up to 180 days before you renew.

How to connect UniCredit Bank Austria

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your device, so no one else — not even open-banking.io — can read what comes back.
  2. In the dashboard, pick UniCredit Bank Austria and choose your account type (business or personal).
  3. You are redirected to UniCredit Bank Austria's own secure login, where you approve access on the bank's consent screen (standard PSD2 consent, valid for up to 180 days).
  4. Your accounts sync straight into your open-banking.io dashboard, ready to view and refresh.

That is the whole flow — you approve on the bank's side, and the data flows back encrypted.

Access your data

Once UniCredit Bank Austria is connected, developers can optionally read the data programmatically. Open the Developers page, create an API key, and export a credentials.json — this bundles your API key together with your private decryption key. From there 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 there is nothing readable to see, which is exactly what zero-knowledge means.

No certificates, no eIDAS setup, no per-bank integration work — all for around EUR 3/month.

Does UniCredit Bank Austria have a BIC on open-banking.io?

No BIC is listed for this connection, but you select UniCredit Bank Austria by name in the dashboard, so you never need one.

Can I connect a business account?

Yes. Both business and personal UniCredit Bank Austria accounts are supported — just choose the account type when you connect.

How long does my access last?

A UniCredit Bank Austria consent stays valid for up to 180 days. After that you simply re-approve on the bank's screen to keep syncing.

Ready to start? Visit open-banking.io and connect UniCredit Bank Austria in minutes.