ProCredit Bank Bulgaria Open Banking & API Access

Reaching your ProCredit Bank (Bulgaria) accounts through a single, privacy-first interface is what open-banking.io was built for. Rather than juggling per-bank portals or wrestling with PSD2 certificates, you link ProCredit Bank once and read your balances and transactions on your own terms. ProCredit Bank (BIC PRCBBGSF) is supported for both business and personal accounts, with consent valid for up to 180 days before you re-approve.

Because open-banking.io is zero-knowledge, your financial data is encrypted with a key that never leaves your device. The service holds only your public key, so no one at open-banking.io — and no third party — can read what syncs from ProCredit Bank. It is also certificate-free: there is nothing to register with a regulator and no eIDAS certificate to buy.

How to connect ProCredit Bank

Connecting happens entirely in the open-banking.io dashboard — no code, no API key, no developer setup:

  1. Sign up for an open-banking.io account.
  2. Set your encryption passphrase; your encryption keys are generated locally on your device at this moment.
  3. In the dashboard, pick ProCredit Bank (Bulgaria) and choose the account type you need — business or personal.
  4. You are redirected to ProCredit Bank's own secure login, where you approve access on the bank's PSD2 consent screen.
  5. Once approved, your ProCredit Bank accounts sync back into your dashboard, ready to view.

That is the whole flow. You authenticate directly with ProCredit Bank, and open-banking.io never sees your banking credentials.

Access your data

Developers can optionally go further after the connection 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 directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext. The CLI and SDK read and sync existing connections — they never create one, since connecting is always a dashboard action.

All of this runs on flat pricing of roughly EUR 3/month.

FAQ

Do I need an eIDAS certificate to access ProCredit Bank?

No. open-banking.io is certificate-free — you connect through the dashboard and approve access on ProCredit Bank's consent screen.

Can open-banking.io see my ProCredit Bank transactions?

No. The platform is zero-knowledge and stores only your public key; data is decrypted locally with a private key only you hold.

Up to 180 days. After that you simply re-approve access from ProCredit Bank's login to keep syncing.

Start at open-banking.io.