CECA Bank API Access & Open Banking (Spain) | open-banking.io

Reaching your CECA Bank data no longer means chasing eIDAS certificates or building a PSD2 gateway from scratch. open-banking.io gives you a single, certificate-free path to your Spanish accounts — covering both business and personal account types under CECA Bank's BIC CECAESMM. You approve access once, and your balances and transactions flow into a dashboard where they are decrypted locally with a key that never leaves your device.

That local-decryption design is the whole point: open-banking.io is zero-knowledge. Its servers hold only your public key, so they store ciphertext they cannot read. It's one flat subscription — roughly EUR 3/month — across 2,600+ EU and UK banks, with no per-call fees or bank contracts to negotiate.

How to connect CECA Bank

Connecting happens entirely in 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 keys are generated right there on your own device.
  2. In the dashboard, pick CECA Bank and choose the account type you want to link — business or personal.
  3. You're redirected to CECA Bank's own secure login, where you approve access (standard PSD2 consent). Your credentials only ever touch the bank.
  4. Once approved, your accounts sync back into your dashboard. The consent stays valid for up to 180 days, after which you simply re-approve.

Access your data

Reading data programmatically is an optional developer step you take after connecting. From the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. Note that these tools only read and sync connections you've already established — there is no connect command, and an API key alone returns nothing but ciphertext without your private key.

Do I need an eIDAS certificate for CECA Bank?

No. open-banking.io is certificate-free — the dashboard consent flow handles PSD2 access on your behalf.

Can open-banking.io see my CECA Bank transactions?

No. It's zero-knowledge: it holds only your public key, so data is decrypted solely on your device.

Yes. CECA Bank supports both types; choose the relevant one when you connect in the dashboard.

Start linking CECA Bank at open-banking.io.