Addiko Bank Croatia API Access & Open Banking

Reach your Addiko Bank (Croatia) accounts through a single privacy-first hub. open-banking.io links Addiko Bank alongside 2,600+ EU and UK institutions using PSD2 open banking — no eIDAS certificate, no bank-specific paperwork, and no server that can ever read your figures. Your balances and transactions are decrypted on your own device with a key that never leaves it, so the platform holds only ciphertext and your public key.

Addiko Bank issues under BIC HAABHR22 and covers both business and personal accounts. A single approval grants a consent valid for up to 180 days, after which you simply refresh it from the dashboard.

How to connect Addiko Bank

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key in this step:

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated locally on your device.
  2. In the dashboard, choose Addiko Bank and select the account type you want to link (business or personal).
  3. You are redirected to Addiko Bank's own secure login, where you authenticate and approve access on the bank's PSD2 consent screen.
  4. Control returns to your dashboard and your Addiko Bank accounts begin syncing automatically.

Because approval takes place on Addiko Bank's own pages, your credentials are only ever seen by the bank.

Access your data

Programmatic access is an optional step once the account is already linked. 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. An API key alone returns only ciphertext; without your private key the data stays unreadable. The tools read and sync existing connections — they never create one.

All of this runs for roughly EUR 3/month.

Does open-banking.io ever see my Addiko Bank balances?

No. It is zero-knowledge: it stores only your public key and encrypted data. Decryption happens on your device.

How do I connect Addiko Bank?

Entirely in the dashboard — pick Addiko Bank, then approve access on the bank's own consent screen. No API key is used to connect.

Up to 180 days per approval, then you renew it in the dashboard.

Start at open-banking.io.