Banco Pichincha API Access for Spain Accounts

Pulling live data out of Banco Pichincha (Spain) usually means wrestling with per-bank credentials and eIDAS certificates. open-banking.io removes that friction: point one certificate-free EU/UK API at Banco Pichincha and keep account, balance and transaction data flowing into your product or spreadsheet without maintaining any bank-specific plumbing.

Banco Pichincha (Spain) is the Spanish arm of the Ecuadorian banking group, serving both personal and business customers under BIC PICHESMMXXX. Whichever account type you hold, the same connector handles the PSD2 handshake for you.

How to connect Banco Pichincha

  1. Create an open-banking.io account and generate an API key.
  2. Call the connect endpoint and select Banco Pichincha (Spain) from the covered institutions.
  3. Approve access in Banco Pichincha's own login and strong-authentication screens.
  4. Receive the returned consent reference and begin requesting data.
  5. Refresh the consent before its 180-day window closes to keep the link active.

What data you can access

Once the consent is live, you can read:

  • Accounts — IBANs, currency and product metadata for personal and business accounts
  • Balances — current and available amounts, updated on demand
  • Transactions — dated entries with counterparties, references and amounts

Banco Pichincha (Spain) supports a maximum consent duration of 180 days, after which the account holder re-authorises. open-banking.io speaks the same protocol across 2,600+ banks, so adding another EU or UK institution later needs no new integration.

Privacy by design

The platform is zero-knowledge: your customers' banking data passes through without us storing or reading it, and there are no eIDAS certificates for you to buy, host or renew. Authentication always happens on Banco Pichincha's own domain.

Pricing

One flat plan from roughly EUR 3/month covers Banco Pichincha and every other supported bank — no per-connection fees or enterprise contracts.

Is a QWAC or eIDAS certificate required?

No. open-banking.io is certificate-free; the shared infrastructure handles all regulatory credentials on your behalf.

Can I connect a business account at Banco Pichincha?

Yes. Both business and personal Banco Pichincha (Spain) accounts are supported through the same API and consent flow.

How long does access last before renewal?

Each consent stays valid for up to 180 days. Prompt the account holder to re-authorise before it expires to avoid an interruption.

Ready to start? Explore the docs and connect Banco Pichincha at https://open-banking.io.