tbi bank API Access & Open Banking in Bulgaria

Reaching your tbi bank accounts programmatically no longer means chasing a bank sandbox, eIDAS certificates, or a QWAC. open-banking.io gives you one PSD2 doorway to tbi bank (BIC TBIBBGSF) alongside 2,600+ other EU and UK institutions, and every byte of account and transaction data is decrypted on your own device with a key that never leaves it.

tbi bank supports both business and personal accounts, and a single consent stays valid for up to 180 days before you re-approve — so most integrations refresh access roughly twice a year rather than constantly.

How to connect tbi bank

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, key, or code in this step:

  1. Sign up at open-banking.io and set your encryption passphrase. Your keys are generated locally in your browser, so only you can later unlock the data.
  2. In the dashboard, search for tbi bank and choose whether you're linking a business or personal account.
  3. You're redirected to tbi bank's own secure login, where you approve access under PSD2 — your credentials are only ever seen by the bank.
  4. Once you confirm, your tbi bank accounts and their transactions sync back into your dashboard, ready to view.

That's the whole flow. You, the account holder, grant consent directly on tbi bank's screen — nobody redirects on your behalf.

Access your data

Want to pull the data into your own tooling? That's an optional developer step that only works after the connection above exists. Open the Developers page, create an API key, and export a credentials.json — it bundles your API key together with your private decryption key. Then read your accounts however suits you:

openbanking accounts
openbanking transactions
openbanking sync

The CLI, the SDKs, and the REST API all authenticate with the X-Api-Key header, and each response is decrypted locally with your private key. There is no connect command — these tools only read and refresh connections you've already approved in the dashboard.

Because open-banking.io is zero-knowledge, its servers hold only your public key; an API key on its own returns ciphertext until your private key unlocks it. No certificates, no bank onboarding — just about EUR 3/month.

FAQ

Do I need an eIDAS certificate for tbi bank?

No. open-banking.io is certificate-free; you approve access on tbi bank's login and skip the QWAC entirely.

Can open-banking.io staff see my tbi bank transactions?

No. Data is decrypted only on your device with your key. The service stores just your public key and encrypted blobs.

Does connecting tbi bank need any code?

No. Linking is done in the dashboard. Code and API keys are only for reading data afterward.

Start at open-banking.io.