HPB API Access — Croatian Open Banking Data

Hrvatska poštanska banka (HPB, BIC HPBZHR2X) is one of Croatia's established retail and business banks. With open-banking.io you can reach your HPB account data through a single PSD2 connection — no eIDAS certificate, no bespoke bank integration, and no code required to get started. Both business and personal HPB accounts are supported, and each consent stays valid for up to 180 days before HPB asks you to re-approve.

The defining trait of open-banking.io is that it is zero-knowledge. Your encryption keys are generated on your own device from a passphrase only you know, so account balances and transactions are decrypted locally. Our servers only ever hold your public key — they cannot read your HPB data, and neither can anyone who breaches them.

How to connect HPB

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

  1. Sign up for open-banking.io and set your encryption passphrase (your keys are created locally, on your device).
  2. In the dashboard, choose HPB from the bank list and select the account type — business or personal.
  3. You are redirected to HPB's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your HPB accounts sync back into your dashboard automatically.

That's the whole flow: you authenticate directly with HPB, and open-banking.io never sees your banking credentials.

Access your data

Reading HPB data programmatically is an optional developer step you take after connecting. On the Developers page, create an API key and export a credentials.json — this bundles your 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 directly. 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, the data stays unreadable.

All of this runs on the standard subscription of roughly EUR 3/month.

Do I need an eIDAS certificate to access HPB?

No. open-banking.io is certificate-free — the PSD2 licensing and connectivity are handled for you.

Can open-banking.io staff see my HPB transactions?

No. The service is zero-knowledge; your data is decrypted only on your device with a key we never hold.

Can I connect HPB using the CLI or an API key?

No. Connecting always happens in the dashboard via HPB's consent screen. The CLI, SDK, and API only read or sync connections that already exist.

Ready to start? Visit open-banking.io.