Ibercaja Banco API Access & Open Banking Data

Pulling live balances and transactions out of Ibercaja Banco normally means wrestling with PSD2 sandboxes, eIDAS certificates and OAuth scopes. open-banking.io removes all of that. It is a certificate-free, zero-knowledge gateway covering 2,600+ European banks, and your Ibercaja Banco data is decrypted on your own device with a key that never leaves it — our servers only ever hold your public key and ciphertext.

Ibercaja Banco (BIC CAZRES2ZXXX) is supported for both business and personal accounts, with a PSD2 consent window of up to 180 days before you re-authorise.

How to connect Ibercaja Banco

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

  1. Sign up at open-banking.io and set your encryption passphrase. Your keys are generated locally, so nobody else — including us — can read what syncs.
  2. In the dashboard, search for Ibercaja Banco and choose the account type you need (business or personal).
  3. You are redirected to Ibercaja Banco's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Control returns to your dashboard and your accounts begin syncing. That consent stays valid for up to 180 days.

Access your data

Once the connection is live, reading it programmatically is an optional developer step. Open 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 directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext, so your data stays private even in transit. Note there is no connect command — the CLI and SDK only read and sync connections you already approved in the dashboard.

Access costs roughly EUR 3/month, with no per-call fees or certificate paperwork.

Do I need an eIDAS certificate for Ibercaja Banco?

No. open-banking.io is certificate-free — you authorise directly on Ibercaja Banco's login and we handle the PSD2 plumbing.

Can open-banking.io read my Ibercaja Banco data?

No. It is zero-knowledge: decryption happens on your device with a key only you hold. Our servers store only your public key and encrypted data.

How often do I re-authorise?

Ibercaja Banco permits a consent window of up to 180 days, after which you simply reconnect through the dashboard.

Ready to start? Visit open-banking.io.