Zagrebačka banka API Access & Open Banking Data

Zagrebačka banka is Croatia's largest bank, and open-banking.io gives you a single, private way to reach its account data. Whether you bank as a business or a private individual, you can pull balances and transactions into one dashboard — and, if you write software, read them programmatically afterwards. open-banking.io is certificate-free and zero-knowledge: your data is decrypted on your own device with a key that never leaves it, so our servers only ever hold ciphertext and your public key.

How to connect Zagrebačka banka

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

  1. Sign up at open-banking.io and set an encryption passphrase. Your cryptographic keys are generated locally on your device from that passphrase.
  2. In the dashboard, choose Zagrebačka banka and select your account type — both business and personal accounts are supported.
  3. You're redirected to Zagrebačka banka's own secure login, where you approve access under PSD2. You authenticate directly with the bank; open-banking.io never sees your credentials.
  4. Your accounts sync back into the dashboard. The consent you grant lasts up to 180 days, after which you simply re-approve on the bank's screen.

Zagrebačka banka has no BIC listed in our directory, so there's nothing extra to look up — just pick it by name.

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 directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key it stays unreadable, which is what makes the service zero-knowledge. Note the CLI and SDK only read and sync connections you've already approved; there is no connect command.

All of this runs for roughly EUR 3/month.

Does Zagrebačka banka have a BIC in your directory?

No BIC is listed for Zagrebačka banka here — you don't need one. Select the bank by name in the dashboard.

Can I connect a business account?

Yes. Zagrebačka banka supports both business and personal accounts, chosen when you connect.

How long does access last before I re-approve?

Consent runs up to 180 days. When it expires, re-approve on Zagrebačka banka's own consent screen.

Ready to start? Visit open-banking.io.