Ibercaja Banco API Access | Open Banking Sync

Pull live Ibercaja Banco data into your own tools without wrestling with bank-specific integrations. open-banking.io gives you a single, regulated PSD2 gateway to this Zaragoza-based Spanish bank, so accountants, fintech builders and finance teams can sync balances and movements as soon as the account holder grants consent.

One API, one contract, one privacy model. Whether the account is held by a company or an individual, the same endpoints return clean, structured data ready for your ledger, dashboard or reconciliation workflow.

How to connect Ibercaja Banco

1. Create an open-banking.io account and get your API key.
2. Call the connect endpoint and select Ibercaja Banco (BIC CAZRES2ZXXX).
3. Redirect the customer to Ibercaja's own login for secure strong authentication.
4. The customer approves the data-sharing consent — no certificates or paperwork on your side.
5. Start reading accounts, balances and transactions through the unified API.

What data you can access

• Accounts — identifiers, currency, product type and holder details for business and personal accounts.
• Balances — current and available figures, refreshed on demand.
• Transactions — dated entries with amounts, counterparties and reference text for reconciliation and analytics.

Consent and coverage

Each Ibercaja Banco consent lasts up to 180 days before the customer re-authorises, matching Spanish PSD2 rules. Ibercaja is one of 2,600+ banks reachable through the same open-banking.io integration, so adding more institutions never means new code.

Privacy by design

The platform is zero-knowledge and certificate-free: credentials are entered only on Ibercaja's own screens, and we never store or see them. You skip the eIDAS/QWAC certificate burden entirely while staying fully within the regulated open-banking framework.

Pricing

Access starts at roughly EUR 3 per month — flat and predictable, with no per-call surprises and no enterprise minimums to get going.

FAQ

Can I connect both business and personal Ibercaja accounts?

Yes. Both account types are supported through the same endpoints; the customer simply chooses which accounts to share during consent.

How often must the consent be renewed?

Consent stays valid for up to 180 days, after which the account holder re-authorises with strong customer authentication to keep the connection live.

Do I need an eIDAS certificate to use this?

No. open-banking.io is certificate-free — you connect through our licensed infrastructure without sourcing or managing any QWAC or QSEAL certificates yourself.

Ready to build? Start at open-banking.io.