UniCredit Bulbank API Access & Open Banking Data

Reaching your UniCredit Bulbank accounts programmatically usually means certificates, sandboxes and PSD2 paperwork. open-banking.io removes all of that. It is a zero-knowledge, certificate-free gateway to 2,600+ EU and UK banks, so you can pull balances and transactions from UniCredit Bulbank — Bulgaria's largest bank — into one dashboard and, when you want to, into your own scripts. UniCredit Bulbank has no published BIC in our directory, supports both business and personal accounts, and grants consent windows of up to 180 days.

How to connect UniCredit Bulbank

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 only you can ever unlock your data.
  2. In the dashboard, search for and select UniCredit Bulbank, then choose the account type you want to link — business or personal.
  3. You are redirected to UniCredit Bulbank's own secure login and consent screen, where you approve access directly with the bank (standard PSD2 consent, valid for up to 180 days).
  4. Once approved, your accounts sync straight back into your open-banking.io dashboard.

That's the whole flow — you authenticate on the bank's side, never by handing credentials to anyone else.

Access your data

After a connection exists, developers can optionally read it in code. On the Developers page, create an API key and export a credentials.json bundle containing that key plus your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests send the X-Api-Key header, and every response is decrypted locally with your key. The CLI and SDK only read and sync connections you already made in the dashboard — they never establish new ones.

Because open-banking.io is zero-knowledge, its servers hold only your public key and can never read your UniCredit Bulbank data. An API key alone returns ciphertext; without your private key it stays unreadable. All this costs around EUR 3 per month.

Does open-banking.io store my banking password?

No. You log in and approve consent on UniCredit Bulbank's own site, so your credentials never reach us.

Yes. UniCredit Bulbank supports both, and you pick the account type when connecting in the dashboard.

How long does access last before renewal?

UniCredit Bulbank consent lasts up to 180 days, after which you re-approve on the bank's screen.

Start at open-banking.io.