Crédit Mutuel API Access & Open Banking Data | open-banking.io

Crédit Mutuel is one of France's largest cooperative banking groups, and open-banking.io gives you a clean, PSD2-compliant way to reach the data behind your accounts. Instead of wrestling with eIDAS certificates or a sandbox onboarding process, you approve access once and your Crédit Mutuel balances and transactions flow into a dashboard that only you can decrypt. Both business and personal Crédit Mutuel accounts are supported, and a single consent stays valid for up to 180 days before you renew it.

Crédit Mutuel does not expose a single group-wide BIC through this integration (BIC: not applicable), so account selection is handled inside the dashboard rather than by routing code.

How to connect Crédit Mutuel

Connecting happens entirely in 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 nobody else can read your data.
  2. In the dashboard, choose Crédit Mutuel and pick the account type — business or personal.
  3. You are redirected to Crédit Mutuel's own secure login, where you authenticate and approve access on the bank's official PSD2 consent screen.
  4. Once approved, your Crédit Mutuel accounts sync back into your dashboard and refresh automatically within the consent window.

Access your data

Reading the data programmatically is an optional step for developers, and only after the connection above exists. On 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections that already exist — they never establish one.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key on its own returns ciphertext; without your private key, the data stays unreadable. Access to Crédit Mutuel and 2,600+ other EU/UK banks costs around EUR 3/month.

Do I need an eIDAS certificate for Crédit Mutuel?

No. open-banking.io is certificate-free — you approve access directly on Crédit Mutuel's consent screen.

Can I connect a Crédit Mutuel business account?

Yes. Both business and personal Crédit Mutuel accounts are supported; you choose the type when selecting the bank in the dashboard.

Up to 180 days per approval, after which you re-authorize with Crédit Mutuel to keep syncing.

Start at open-banking.io.