DSK Bank Open Banking & API Access | Bulgaria

Reaching your DSK Bank accounts programmatically usually means wrestling with eIDAS certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of that. It is a zero-knowledge open-banking service covering 2,600+ banks across the EU and UK, and it links to DSK Bank (BIC STSABGSF) without a single certificate. Whether you hold a business or personal account, you approve one consent and your balances and transaction history flow into a dashboard only you can decrypt.

The privacy model is the point. Your encryption keys are generated on your own device and never leave it. open-banking.io stores only your public key, so its servers physically cannot read your DSK Bank data — every figure is unscrambled locally, on your machine, with a key nobody else holds.

How to connect DSK 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 private key is created right there in your browser.
  2. In the dashboard, choose DSK Bank and select the account type you want to link — business or personal.
  3. You are redirected to DSK Bank's own secure login, where you authorise access under PSD2. Your credentials only ever touch the bank.
  4. Consent granted, your accounts sync back into the dashboard. That authorisation lasts up to 180 days, after which you simply re-approve.

Access your data

Once DSK Bank is connected, developers can optionally read the data in code. Open the Developers page, create an API key and export a credentials.json — this bundles the API key with your private decryption key. From there 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 each response is decrypted locally with your own key. The key alone returns only ciphertext — without your private key, the payload stays unreadable. Note the CLI and SDK read and sync existing connections; they never create them.

All of this runs for roughly EUR 3/month.

Do I need a PSD2 certificate for DSK Bank?

No. open-banking.io is certificate-free — the connection is handled for you through the dashboard.

Can open-banking.io see my DSK Bank balances?

No. It holds only your public key, so data is decrypted solely on your device.

Does the API key expose my transactions?

Not on its own. Responses are ciphertext until unlocked with your private key from credentials.json.

Start linking DSK Bank at https://open-banking.io.