Banco Cooperativo Español API Access & Open Banking

Banco Cooperativo Español serves as the central institution for Spain's Grupo Caja Rural network, and open-banking.io lets you reach its account data without wrestling with eIDAS certificates or PSD2 registration paperwork. Whether you run a treasury team or build fintech tools, you get a single, private path to your balances and transactions.

Everything is anchored in strong encryption. When you join open-banking.io you set a passphrase that generates a key pair on your own device — the service only ever holds your public key. That means Banco Cooperativo Español data flows in encrypted and stays that way on our servers; nobody at open-banking.io can read it.

How to connect Banco Cooperativo Español

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 your encryption passphrase (your private key never leaves your machine).
  2. In the dashboard, search for Banco Cooperativo Español (BIC BCOEESMMXXX) and choose the account type you hold — business or personal.
  3. You're redirected to Banco Cooperativo Español's own secure login, where you approve access under PSD2 consent. Your credentials are only ever entered on the bank's site.
  4. Once approved, your accounts sync straight into your dashboard. Consent lasts up to 180 days, after which you simply re-approve.

Access your data

Programmatic access is an optional step after your accounts are connected. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — which is exactly the point of zero-knowledge design.

All of this runs for roughly EUR 3/month, with no certificate procurement or licensing overhead.

Does open-banking.io store my Banco Cooperativo Español login?

No. You authenticate directly on Banco Cooperativo Español's own consent screen; open-banking.io never sees your banking credentials.

Can I connect a business account?

Yes. Both business and personal Banco Cooperativo Español accounts are supported — pick the type when you select the bank in the dashboard.

How often do I re-authorise?

Banco Cooperativo Español consent runs up to 180 days. When it expires, reconnect from the dashboard in a few clicks.

Ready to start? Visit open-banking.io.