Caja Rural de Teruel Open Banking & API Access

Need programmatic or unified access to your Caja Rural de Teruel accounts? open-banking.io gives you PSD2-based read access to this Aragonese cooperative bank without certificates, eIDAS registration, or a bank-signed agreement. Caja Rural de Teruel (BIC BCOEESMM080) sits within the Grupo Caja Rural network, and open-banking.io covers both its business and personal accounts under a single, privacy-first subscription.

What sets it apart is the trust model: it is zero-knowledge. Encryption keys are generated on your own device, so account data is decrypted locally with a key only you hold. The service stores only your public key and can never read your balances or transactions.

How to connect Caja Rural de Teruel

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

  1. Sign up at open-banking.io and set your encryption passphrase; your private keys are created locally on your device.
  2. In the dashboard, choose Caja Rural de Teruel and select the account type you need — business or personal.
  3. You are redirected to Caja Rural de Teruel's own secure login, where you approve access on the bank's consent screen (standard PSD2 authorisation).
  4. Your accounts sync back into the dashboard. A single consent stays valid for up to 180 days before the bank asks you to renew.

Access your data

Reading data programmatically is an optional developer step you take after the connection exists. On the Developers page, create an API key and export a credentials.json file — 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. Every request sends the X-Api-Key header, and each response is decrypted locally with your own key. Without that private key an API key returns only ciphertext, which is exactly how the zero-knowledge guarantee holds.

All of this runs on the same flat plan of roughly EUR 3/month, with no per-call fees or certificate costs.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you approve access directly on Caja Rural de Teruel's consent screen.

Can open-banking.io see my transactions?

No. It holds only your public key; your data is decrypted on your device with a key only you have.

How long does one authorisation last?

Up to 180 days for Caja Rural de Teruel, after which you re-approve on the bank's login.

Start at open-banking.io.