Crédit Coopératif Open Banking & API Access Guide

Crédit Coopératif (BIC CCOPFRPPXXX) is one of France's cooperative banking pioneers, and open-banking.io gives you a certificate-free way to reach its account data under PSD2. There are no eIDAS certificates to buy, no bank sandbox to register with, and no screen-scraping. You link the account once, and your balances and transactions flow into a dashboard where they stay encrypted with a key that never leaves your device.

Both business and personal Crédit Coopératif accounts are supported, and each consent you grant stays valid for up to 180 days before the bank asks you to re-approve.

How to connect Crédit Coopératif

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 locally on your own device, so only you can later unlock the data.
  2. In the dashboard, search for Crédit Coopératif and choose the account type (business or personal).
  3. You are redirected to Crédit Coopératif's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into your dashboard and refresh automatically for the life of the consent.

Because the whole handshake runs on the bank's real login, your credentials are never seen by open-banking.io.

Access your data

Reading the data programmatically is an optional developer step you take after the connection exists. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. The CLI and SDK only read and sync connections that already exist — they can't create one. This is what zero-knowledge means in practice: open-banking.io holds only your public key, so an API key alone returns ciphertext, never readable statements.

All of this runs for roughly EUR 3/month across 2,600+ EU and UK banks.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you approve access directly on Crédit Coopératif's login.

Can open-banking.io read my transactions?

No. Data is decrypted only on your device with a key you hold; the servers store just your public key.

How long does a connection last?

Up to 180 days per consent, after which Crédit Coopératif prompts you to re-approve.

Start at open-banking.io.