Citadele Estonia: API Access & Open Banking Data

Pulling your Citadele (Estonia) account and transaction data used to mean eIDAS certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of that. It links to Citadele (BIC PARXEE22) over the regulated PSD2 rails, covering both business and personal accounts, and hands the readable data straight back to you — decrypted on your own device with a key nobody else holds.

Because the platform is zero-knowledge, its servers only ever store your public key. Your Citadele balances and statements stay ciphertext everywhere except your machine. No certificates, no bank onboarding forms, and one flat subscription of roughly EUR 3/month across 2,600+ supported European banks.

How to connect Citadele

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

  1. Sign up and set an encryption passphrase. Your keys are generated locally on your device from that passphrase.
  2. In the dashboard, choose Citadele (Estonia) and pick the account type you need — business or personal.
  3. You are redirected to Citadele's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into the dashboard. Citadele grants consent for up to 180 days, after which you simply re-approve to keep the link live.

Access your data

Reading Citadele data programmatically is an optional step you take after the connection exists. Open 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. Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. An API key on its own only ever returns ciphertext — the readable data never leaves your device unencrypted.

Do I need a PSD2 certificate for Citadele?

No. open-banking.io is certificate-free. You authorise access on Citadele's own login screen; no eIDAS certificate or developer registration is required.

Can open-banking.io read my Citadele transactions?

No. The service is zero-knowledge and stores only your public key. Your Citadele data is decrypted solely on your device with a key that never leaves it.

Do the CLI and SDK connect my bank?

No. The connection is made in the dashboard via Citadele's consent screen. The CLI, SDK and API only read and sync connections that already exist — there is no connect command.

Start accessing your Citadele (Estonia) data at open-banking.io.