Access MoraBanc Data: Open Banking & API Integration

Pulling live figures out of a MoraBanc business account normally means wrestling with PSD2 certificates, sandbox registrations and bank-specific paperwork. open-banking.io removes all of that. It is a single EU/UK open-banking service covering 2,600+ banks, where MoraBanc data flows into a dashboard you control and is decrypted on your own device with a key that never leaves it. No eIDAS certificate, no onboarding forms — just a connected account you can read on the web or, if you want, straight from your terminal.

MoraBanc supports business account access here, with a maximum PSD2 consent window of 180 days before you re-authorise. Its BIC is BEDFESM1.

How to connect MoraBanc

Connecting happens entirely inside 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 open the dashboard.
  2. Set your encryption passphrase. Your key pair is generated locally on your device; open-banking.io only ever holds your public key.
  3. Pick MoraBanc from the bank list and choose the business account type you want to link.
  4. Approve on MoraBanc's own login. You are redirected to MoraBanc's secure PSD2 consent screen to authorise access directly with the bank.
  5. Watch it sync. Once approved, your MoraBanc accounts and transactions appear in your dashboard, refreshing for the life of the 180-day consent.

Access your data

Reading MoraBanc data programmatically is an optional developer step you take after the account is connected. On the Developers page, create an API key and export a credentials.json — this bundles the API key with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, nobody, including open-banking.io, can read a thing.

All of this runs on a zero-knowledge, certificate-free model for roughly EUR 3/month.

Do I need a PSD2 certificate to access MoraBanc?

No. open-banking.io handles the regulated connection, so you approve access on MoraBanc's login screen without any certificate of your own.

Can I read MoraBanc accounts from the command line?

Yes — after connecting MoraBanc in the dashboard, openbanking accounts and openbanking transactions read your existing connection, decrypting each response locally.

Is my MoraBanc data readable by open-banking.io?

No. Your data is encrypted with a key held only on your device. The service stores just your public key, so it can sync ciphertext but never decrypt it.

Ready to link your MoraBanc business account? Get started at open-banking.io.