Banque Européenne du Crédit Mutuel API Access

Banque Européenne du Crédit Mutuel (BECM) is the corporate-focused arm of the Crédit Mutuel group, serving companies, real-estate professionals and institutional clients across France. If you manage a BECM business relationship, open-banking.io gives you a single, private way to reach that account data without wrestling with per-bank portals, eIDAS certificates or PSD2 registration paperwork.

open-banking.io is a zero-knowledge, certificate-free service covering 2,600+ banks across the EU and UK. Your BECM data is encrypted end to end and decrypted locally with a key that only you hold — the platform stores your public key and nothing more, so it can never read your balances or transactions.

How to connect Banque Européenne du Crédit Mutuel

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 set your encryption passphrase. Your keys are generated on your own device, so the passphrase never leaves it.
  2. In the dashboard, choose Banque Européenne du Crédit Mutuel and select the business account type.
  3. You are redirected to BECM's own secure login, where you approve access under PSD2 consent — your credentials are only ever entered on the bank's screen.
  4. Once approved, your BECM accounts sync straight into your dashboard.

Consent under PSD2 lasts up to 180 days, after which you simply re-approve on BECM's consent screen to keep the connection live. Note that BECM does not publish a standard BIC in this dataset, so selecting the bank by name in the dashboard is the reliable route.

Access your data

Programmatic access is an optional step for developers, and only after the bank is connected. From the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. You can 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. An API key alone only ever returns ciphertext — without your private key, the data stays unreadable, which is what makes the whole system zero-knowledge.

Does open-banking.io ever see my BECM data?

No. It holds only your public key; decryption happens on your device, so balances and transactions are never readable server-side.

Can I connect BECM from the CLI?

No. The CLI, SDK and API only read or sync existing connections. Connecting BECM is always done in the dashboard via the bank's consent screen.

What does it cost?

Around EUR 3/month for access across all supported banks, including Banque Européenne du Crédit Mutuel.

Ready to start? Visit open-banking.io.