United Bulgarian Bank API Access & Open Banking

Reach your United Bulgarian Bank (UBB) accounts through a single, privacy-first workspace. open-banking.io links to UBB (BIC UBBSBGSF) under PSD2, covering both business and personal accounts, so you can pull balances and transactions without stitching together bespoke bank integrations. It is zero-knowledge and certificate-free: your data is decrypted locally with a key that never leaves your device, and our servers only ever hold your public key.

How to connect United Bulgarian Bank

Connecting happens entirely in 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 right there on your own device.
  2. In the dashboard, pick United Bulgarian Bank and choose the account type — business or personal.
  3. You are redirected to UBB's own secure login, where you approve access on the bank's consent screen (standard PSD2 authorisation).
  4. Your UBB accounts then sync back into your dashboard. Each consent stays valid for up to 180 days, after which you simply re-approve.

Because approval happens on United Bulgarian Bank's own screens, your credentials are never seen or stored by open-banking.io.

Access your data

Once UBB is connected, reading the data programmatically is an optional developer step. Open the Developers page, create an API key, and export a credentials.json — this bundles your API key together with your private decryption key. From there you can use the CLI, an SDK, or the REST API:

openbanking accounts
openbanking transactions
openbanking sync

Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Note the CLI and SDK only read and sync existing connections — the bank link itself is always made in the dashboard. An API key alone returns ciphertext; without your private key it stays unreadable, even to us.

All of this runs for around EUR 3/month.

Do I need a developer account to use United Bulgarian Bank?

No. Anyone can connect UBB in the dashboard. The API key, credentials.json, and CLI are only for those who want programmatic access afterwards.

Can open-banking.io read my UBB transactions?

No. The service is zero-knowledge — it holds only your public key. Decryption happens on your device with a private key that only you hold.

How long does UBB access last?

Up to 180 days per consent, matching United Bulgarian Bank's PSD2 window. Re-approve on the bank's screen to extend.

Start at https://open-banking.io.