D Commerce Bank API Access & Open Banking (BG)

Reaching D Commerce Bank (Търговска банка Д) account data no longer means wrestling with eIDAS certificates or a bespoke bank integration. open-banking.io gives you a single, certificate-free path to your Bulgarian accounts across one of 2,600+ supported EU/UK banks. You approve access once, your accounts sync, and everything is decrypted on your own device with a key only you hold — the service is zero-knowledge and never sees your statements in the clear.

D Commerce Bank (BIC DEMIBGSF) supports both business and personal accounts, and a single PSD2 consent stays valid for up to 180 days before you re-authorise.

How to connect D Commerce 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 your encryption passphrase. Your key pair is generated locally on your device; only your public key ever leaves it.
  2. In the dashboard, search for and select D Commerce Bank, then choose the account type you want to link — business or personal.
  3. You are redirected to D Commerce Bank's own secure login and consent screen, where you authorise access directly with the bank.
  4. Once approved, your accounts flow back into your open-banking.io dashboard and begin syncing. The consent covers you for up to 180 days.

Access your data

Programmatic access is an optional step you take after the bank is connected. Open the Developers page, create an API key, and export a credentials.json — this bundle holds both the API key and your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. 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, no one, including open-banking.io, can read it.

FAQ

Do I need an eIDAS certificate to access D Commerce Bank?

No. open-banking.io is certificate-free. You authorise access on D Commerce Bank's own consent screen; there is nothing to install or register.

Yes. D Commerce Bank supports business and personal account types, and you pick which to connect when you select the bank in the dashboard.

How much does it cost?

Around EUR 3 per month for open-banking.io access across every supported bank, D Commerce Bank included.

Ready to start? Visit open-banking.io.