Erste & Steiermärkische Bank Croatia API & Open Banking

Erste & Steiermärkische Bank (BIC ESBCHR22) is one of Croatia's largest retail and corporate banks. With open-banking.io you can reach both business and personal account data through a single, privacy-first EU/UK open-banking service covering 2,600+ banks. There are no eIDAS certificates to register, no PSD2 sandbox to onboard, and no infrastructure to maintain — you approve access once and your accounts flow into a dashboard that only you can decrypt.

The key idea: open-banking.io is zero-knowledge. Encryption keys are generated on your own device, and every transaction, balance, and account number is decrypted locally. Our servers only ever hold your public key, so nobody at open-banking.io — or anywhere else — can read your Erste & Steiermärkische Bank data.

How to connect Erste & Steiermärkische Bank

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. This generates your personal keys on your device.
  2. In the dashboard, search for Erste & Steiermärkische Bank and choose the account type you need — business or personal.
  3. You are redirected to Erste & Steiermärkische Bank's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into your dashboard. Consent lasts up to 180 days, after which you simply re-approve to keep the connection live.

That's the whole flow — you authenticate directly with the bank, never sharing credentials with us.

Access your data

Once a connection exists, developers can optionally read it 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. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key. Note the CLI and SDK only read and sync connections that already exist — connecting a bank always happens in the dashboard.

All of this runs for around EUR 3/month.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you approve access on Erste & Steiermärkische Bank's consent screen and nothing more.

Can open-banking.io read my Erste & Steiermärkische Bank transactions?

No. The service is zero-knowledge and stores only your public key. Data is decrypted on your device with a private key only you hold.

Does an API key alone return my data?

No. Without your private decryption key, an API key returns only ciphertext. That's why credentials.json includes both.

Start at open-banking.io.