J&T Direktbank API Access & Open Banking Data

Want to reach your J&T Direktbank accounts programmatically without wrestling with eIDAS certificates or PSD2 sandbox paperwork? open-banking.io gives you clean, decrypted access to J&T Direktbank data across the EU and UK, covering 2,600+ banks from a single account. It is zero-knowledge by design: your balances and transactions are decrypted locally with an encryption key that only you hold, so the service itself never sees your financial data in the clear.

J&T Direktbank (BIC JTBPDEFFXXX) supports both business and personal accounts, and a single consent stays valid for up to 180 days before you need to re-authorise — long enough to keep an integration running without constant reconnections.

How to connect J&T Direktbank

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 on your own device.
  2. In the dashboard, pick J&T Direktbank from the bank list and choose your account type (business or personal).
  3. You are redirected to J&T Direktbank's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync straight into your dashboard.

That is the whole flow — you authenticate directly with J&T Direktbank, never handing credentials to anyone else.

Access your data

After a connection exists, developers can optionally read it programmatically. 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. 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 — which is exactly what keeps the model zero-knowledge.

All of this runs for around EUR 3/month, with no certificate procurement or per-bank onboarding.

Is there a J&T Direktbank connect API?

No. You connect J&T Direktbank in the dashboard by approving access on the bank's own consent screen. The CLI, SDK, and API only read and sync connections that already exist.

Can open-banking.io read my J&T Direktbank data?

No. The servers hold only your public key. Decryption happens on your device with a private key that never leaves it.

J&T Direktbank supports both account types; you choose the type when connecting, and each consent lasts up to 180 days.

Ready to start? Visit open-banking.io.