LCL API Access — Open Banking for LCL France

LCL (Le Crédit Lyonnais) is one of France's long-established retail banks, and open-banking.io gives you a clean, standards-based way to reach your LCL account data without wrestling with eIDAS certificates or a bank-by-bank developer onboarding. Whether you hold a personal or business account, open-banking.io lets you link LCL under PSD2 and keep the data on your own terms — encrypted with a key that never leaves your device.

Unlike raw bank APIs, there is nothing to register with LCL directly. You work entirely inside the open-banking.io dashboard, and any programmatic access is a separate, optional step you take afterwards. That separation is the whole point: connecting is a human consent action, reading is a developer convenience.

How to connect LCL

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated locally on your device — open-banking.io only ever sees your public key.
  2. In the dashboard, choose LCL (BIC CRLYFRPPXXX) and select the account type you hold, business or personal.
  3. You are redirected to LCL's own secure login, where you authenticate and approve access directly with the bank. No credentials pass through open-banking.io.
  4. Once you grant PSD2 consent — valid for up to 180 days before renewal — your LCL accounts and transactions sync back into your dashboard.

There is no API call, code, or key involved in this step. Connecting is done in the web app, and consent lives with LCL.

Access your data

After LCL is connected, developers can optionally automate access. On the Developers page, create an API key and export a credentials.json — it bundles your 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext; without your private key, nobody — not even open-banking.io's servers — can read it. The CLI and SDK read and sync existing connections; they never connect a bank.

FAQ

Can I use LCL for a business account?

Yes. LCL supports both business and personal account types through open-banking.io.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you approve access on LCL's login screen and skip the PSD2 certificate paperwork entirely.

How often do I re-approve access?

LCL consent lasts up to 180 days, after which you simply re-confirm in the dashboard.

Ready to link LCL? Get started at open-banking.io.