Central Cooperative Bank API Access & Open Banking

Central Cooperative Bank (Централна кооперативна банка) is one of Bulgaria's established lenders, and open-banking.io gives you PSD2 access to its accounts without chasing certificates, sandbox approvals or a bespoke integration. It's a zero-knowledge service covering 2,600+ EU and UK banks: your account data is encrypted and only ever decrypted on your own device, with a key that never leaves it. Central Cooperative Bank supports business account access under BIC CECBBGSF, with a consent that stays valid for up to 180 days before you re-approve.

How to connect Central Cooperative 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 open the web dashboard.
  2. Set an encryption passphrase. Your keys are generated locally on your device; open-banking.io only ever holds your public key.
  3. Pick Central Cooperative Bank in the dashboard and choose the business account type.
  4. Approve on the bank's own screen. You're redirected to Central Cooperative Bank's secure login to grant PSD2 consent directly — your credentials are never seen by open-banking.io.
  5. Accounts sync back into your dashboard, ready to view.

Access your data

Reading data programmatically is an optional step after the connection above exists. 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 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 CLI and SDK only read and sync connections that already exist — they never create one. And because open-banking.io is zero-knowledge, an API key on its own returns only ciphertext; without your private key there's nothing readable to see.

All of this runs for roughly EUR 3/month, certificate-free.

Is Central Cooperative Bank business or personal?

Access through open-banking.io covers business accounts under BIC CECBBGSF.

Up to 180 days, after which you re-approve on Central Cooperative Bank's own consent screen to keep syncing.

Can open-banking.io read my Central Cooperative Bank data?

No. It's zero-knowledge — it stores only your public key, and decryption happens on your device with a key only you hold.

Ready to start? Visit open-banking.io.