Access ibank Data via Open Banking API | ibank

Investbank's ibank platform gives Bulgarian personal and business customers a full digital banking experience — and with open-banking.io you can bring that account and transaction data into your own tools without wrestling with eIDAS certificates or a bank sandbox. open-banking.io is a certificate-free service covering 2,600+ banks across the EU and UK, where every response is decrypted locally with an encryption key that only you hold. ibank (BIC IORTBGSF) supports both business and personal account types, with a maximum consent window of 180 days before you re-approve.

How to connect ibank

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 keys are generated on your own device, so the platform only ever stores your public key.
  2. In the dashboard, search for and select ibank, then choose whether you're linking a business or personal account.
  3. You're redirected to ibank's own secure login, where you approve access under PSD2 — your credentials go to the bank, never to open-banking.io.
  4. Once you confirm, your ibank accounts sync straight into the dashboard, and your consent stays valid for up to 180 days.

Access your data

Reading the data programmatically is an optional developer step you take after connecting. 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your key. Because the service is zero-knowledge, an API key alone only ever returns ciphertext — without your private key the data stays unreadable. Note the CLI and SDK only read and sync connections you've already established in the dashboard; there is no connect command.

Pricing is a flat ~EUR 3/month, with no per-call fees or certificate costs.

Do I need an eIDAS certificate for ibank?

No. open-banking.io is certificate-free — the dashboard consent flow on ibank's login screen is all that's required.

Can open-banking.io read my ibank transactions?

No. It holds only your public key. Decryption happens on your device, so the servers only ever store ciphertext.

Which ibank account types are supported?

Both business and personal accounts, each authorised for up to a 180-day consent period.

Start at open-banking.io to link ibank today.