Banque CPH Open Banking & API Access | open-banking.io

Want programmatic access to your Banque CPH accounts without wrestling with eIDAS certificates or a PSD2 sandbox? open-banking.io lets you link Banque CPH (BIC CPHBBE75) and pull a clean, unified view of your money — with every byte decrypted on your own device using a key only you hold.

Banque CPH is a Belgian bank serving Hainaut and beyond. Through open-banking.io you can connect both business and personal accounts, and each authorisation stays valid for up to 180 days before Banque CPH asks you to renew consent.

How to connect Banque CPH

Connecting happens entirely inside the open-banking.io dashboard — there is no code, endpoint or key involved at this stage:

1. Sign up for open-banking.io and open the dashboard.
2. Set your encryption passphrase. Your cryptographic keys are generated locally on your device, so the passphrase never leaves your machine.
3. Pick Banque CPH from the bank list and choose whether you're linking a business or personal account.
4. Approve on Banque CPH's own screen. You're redirected to the bank's secure login to grant PSD2 access — your credentials go only to Banque CPH.
5. Watch your accounts sync back into the dashboard, ready to view.

That's the whole flow. No certificate, no bank-side developer registration, no waiting on approvals.

Access your data

Once Banque CPH is connected, developers can optionally read the data programmatically. 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 directly.

Every request carries the X-Api-Key header, and every response is decrypted locally with your own key. The open-banking.io servers only ever hold your public key, so they can never read your transactions — an API key alone returns nothing but ciphertext.

All of this runs on a certificate-free, zero-knowledge model for around EUR 3/month, covering 2,600+ EU/UK banks.

FAQ

Do I need an eIDAS certificate for Banque CPH?

No. open-banking.io handles the regulated PSD2 layer for you — you just approve access on Banque CPH's own consent screen.

Can I link a business account?

Yes. Banque CPH supports both business and personal accounts through open-banking.io.

How often do I re-authorise?

Banque CPH consent lasts up to 180 days, after which you re-approve access from the dashboard.

Ready to start? Head to open-banking.io and connect Banque CPH in minutes.