iBanFirst API Access & Open Banking Data (Croatia)

iBanFirst serves Croatian businesses and individuals who move money across borders, and open-banking.io lets you pull that account data into one private workspace. It covers 2,600+ EU and UK banks with no eIDAS certificate and no bank-side developer contract — you approve access yourself, and everything you read is decrypted on your own device. For iBanFirst the relevant details are simple: BIC FXBBBEBBXXX, support for both business and personal account types, and a PSD2 consent that stays valid for up to 180 days before you renew it.

How to connect iBanFirst

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

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally on your device, so only you can unlock what syncs later.
  2. In the dashboard, search for and select iBanFirst, then choose the account type you hold (business or personal).
  3. You are redirected to iBanFirst's own secure login, where you authenticate and grant PSD2 access directly with the bank.
  4. Once approved, your iBanFirst accounts and transactions sync back into your dashboard automatically, and the consent runs for up to 180 days.

That's the whole flow. open-banking.io never sees your iBanFirst credentials, and its servers only ever hold your public key.

Access your data

Programmatic access is an optional step you take after the bank is connected. On the Developers page, create an API key and export a credentials.json file — it bundles the 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. Every request sends the X-Api-Key header, and each response is decrypted locally with your key. Without that private key an API key alone returns only ciphertext, which is exactly what zero-knowledge means here.

At around EUR 3/month, it's a low-cost way to keep iBanFirst data flowing into your own tools while the plaintext never leaves your machine.

FAQ

Do I need a certificate or a developer agreement with iBanFirst?

No. open-banking.io is certificate-free — you approve access on iBanFirst's own consent screen, and no eIDAS certificate or bank contract is required.

Can open-banking.io read my iBanFirst transactions?

No. The service is zero-knowledge and stores only your public key. Data is decrypted on your device with a private key that never leaves it.

How long does my iBanFirst connection last?

Up to 180 days per PSD2 consent. After that you simply re-approve access in the dashboard to keep syncing.

Ready to start? Visit open-banking.io.