Creatis API Access & Open Banking Data Export

Creatis is a French consumer-finance bank, and open-banking.io lets you reach its account and transaction data without touching a single certificate or eIDAS credential. We cover Creatis alongside 2,600+ EU and UK banks under one PSD2-based service. What makes it different is the trust model: your data is encrypted and decrypted only on your own device, using a key that never leaves it. open-banking.io stores just your public key, so our servers can never read what flows through them.

Creatis supports both business and personal account access, and a single consent stays valid for up to 180 days before you renew it. Creatis does not publish a public BIC in our records, but that has no effect on connecting — the bank is identified for you inside the dashboard.

How to connect Creatis

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 an open-banking.io account.
  2. Set your encryption passphrase; your key pair is generated locally on your device at this moment.
  3. In the dashboard, search for and select Creatis, then choose business or personal.
  4. You are redirected to Creatis's own secure login, where you approve access on the bank's PSD2 consent screen.
  5. Once approved, your Creatis accounts sync straight into your dashboard.

You stay in control the whole time — credentials are entered on Creatis's site, never with us.

Access your data

Once Creatis is connected, developers can optionally read the data programmatically. 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — which is exactly the point of a zero-knowledge design. Note there is no connect command; the CLI and SDK only read and sync connections you already made in the dashboard.

All of this runs for roughly EUR 3/month.

Do I need an eIDAS certificate for Creatis?

No. open-banking.io is certificate-free; the regulated access is handled for you.

Can open-banking.io see my Creatis transactions?

No. Data is decrypted only on your device with a key we never hold.

Each account type is approved separately, and each consent lasts up to 180 days.

Start at open-banking.io.