Banco Cetelem API Access & Open Banking in Spain

Banco Cetelem is a Spanish consumer-finance and retail bank (BIC FIEIESM1), and open-banking.io lets you reach its account data without certificates, screen-scraping, or a bespoke integration. It is a PSD2-based service covering 2,600+ EU and UK banks, where every figure that reaches you is decrypted on your own device with a key nobody else holds — not even open-banking.io, which stores only your public key.

That zero-knowledge design means Banco Cetelem balances and transactions stay readable only to you. You get one dashboard for business and personal accounts, with each authorisation valid for up to 180 days before you renew it.

How to connect Banco Cetelem

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 an encryption passphrase. Your key pair is generated locally on your device at that moment.
  2. In the dashboard, choose Banco Cetelem and select the account type you want to link (business or personal).
  3. You are redirected to Banco Cetelem's own secure login, where you approve access on the bank's official PSD2 consent screen.
  4. Once approved, your accounts sync back into the dashboard and stay refreshed for the 180-day consent window.

Because approval takes place on Banco Cetelem's side, your banking credentials are never seen or handled by open-banking.io.

Access your data

After the connection exists, developers can optionally read it programmatically. On 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, or openbanking sync.
  • Or call the REST API / SDK, authenticating with the X-Api-Key header.

Every response arrives encrypted and is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key it is unreadable. Note these tools only read and sync existing connections; the initial Banco Cetelem link is always made in the dashboard.

All of this runs at roughly EUR 3/month.

Does open-banking.io see my Banco Cetelem data?

No. It is zero-knowledge and holds only your public key; decryption occurs on your device.

Can I connect Banco Cetelem from the CLI?

No. Connecting is done in the dashboard via the bank's consent screen. The CLI and SDK only read or sync accounts you have already linked.

How long does access last?

Up to 180 days per consent, after which you re-approve on Banco Cetelem's login to keep syncing.

Start at open-banking.io.