Citadele API Access (Estonia) | Open Banking

Pulling live data out of Citadele in Estonia usually means wrestling with eIDAS certificates, sandbox onboarding and per-bank quirks. open-banking.io removes all of that. Point our API at Citadele and you get a clean, normalised feed of account and transaction data — no certificates to buy, no bank-specific integration to maintain.

Whether you're building a bookkeeping tool, a treasury dashboard or a lending workflow, one endpoint keeps Citadele in sync alongside 2,600+ other European institutions.

How to connect Citadele

1. Create an open-banking.io account and grab your API key.
2. Start a connection request, selecting Citadele (Estonia) — BIC PARXEE22.
3. Redirect your user to Citadele's secure login to approve consent.
4. Receive tokens and immediately query accounts, balances and transactions.

What data you can access

• Accounts — business and personal account details and identifiers (IBAN, currency, holder).
• Balances — current and available balances, refreshed on demand.
• Transactions — booked and pending entries with amounts, counterparties, dates and references.

Consent and coverage

Citadele supports both business and personal accounts. A single consent stays valid for up to 180 days before the account holder needs to re-authenticate, so you can keep long-running syncs alive without constant friction. Reauthorisation is a simple redirect when the window lapses.

Privacy by design

our architecture is zero-knowledge: credentials go straight to Citadele and never touch our servers. We hold no eIDAS or QWAC certificates on your behalf — the whole flow is certificate-free — and we don't warehouse your customers' financial data. You stay in control of what's stored and where.

Pricing

One flat subscription of roughly EUR 3/month covers Citadele access along with every other bank on the network. No per-call fees, no per-bank licensing, no surprise usage bills — predictable cost whether you connect one account or thousands.

Do I need my own eIDAS certificate for Citadele?

No. open-banking.io handles the regulated connection layer, so you connect to Citadele without buying or managing any certificate.

How long does Citadele consent last?

Up to 180 days per authorisation. After that the account holder simply re-approves via a quick redirect to renew access.

Can I access both business and personal Citadele accounts?

Yes. Both account types are supported through the same API and consent flow.

Ready to sync Citadele Estonia data? Get started at open-banking.io.