Banco Pichincha API Access & Open Banking (Spain)

Banco Pichincha España (BIC PICHESMMXXX) is the Spanish arm of the Ecuadorian banking group, and its accounts fall under PSD2 — which means you can grant secure, read-only access to your own data. open-banking.io lets you reach that data without EIDAS certificates or a bank sandbox: it covers 2,600+ EU/UK institutions and hands you a single, private view of your finances. Whether you hold a business or personal account at Banco Pichincha, you can link it in minutes and keep the connection live for the full PSD2 window.

What sets open-banking.io apart is where your data is decrypted. Every response is unlocked on your own device with a key only you hold — the service itself is zero-knowledge and stores nothing but your public key. Your Banco Pichincha balances and transactions are never readable on our servers.

How to connect Banco Pichincha

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated locally, on your device.
  2. In the dashboard, search for Banco Pichincha and choose the account type you hold (business or personal).
  3. You are redirected to Banco Pichincha's own secure login, where you approve the PSD2 consent directly with the bank.
  4. Once approved, your accounts sync back into your dashboard automatically.

Consent lasts up to 180 days, after which you simply re-approve on Banco Pichincha's screen to keep syncing.

Access your data

Reading Banco Pichincha data programmatically is an optional step after you've 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests carry your key in the X-Api-Key header, and every payload is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — which is exactly the point.

All of this runs for around EUR 3/month, with no certificates to buy or maintain.

Do I need an eIDAS certificate for Banco Pichincha?

No. open-banking.io is certificate-free — you approve access on Banco Pichincha's own consent screen and nothing more is required.

Can open-banking.io read my Banco Pichincha transactions?

No. The platform is zero-knowledge and holds only your public key; your data is decrypted on your device with a key that never leaves it.

How do I connect a Banco Pichincha business account?

In the dashboard, pick Banco Pichincha and select the business account type, then approve consent on the bank's login. Business and personal accounts are both supported.

Ready to start? Link your account at open-banking.io.