Erste Bank Hungary API Access & Open Banking Data

Erste Bank Hungary (BIC GIBAHUHBXXX) is one of the country's largest retail and corporate banks, and open-banking.io lets you reach both your business and personal accounts there without touching an eIDAS certificate or a licensed AISP contract. You sign up, your encryption keys are generated on your own device, and everything that flows back from Erste Bank is decrypted locally with a passphrase only you know. Our servers only ever hold your public key, so they can never read your balances or transactions.

How to connect Erste Bank

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

  1. Create your open-banking.io account and set an encryption passphrase. Your private key is generated locally and never leaves your device.
  2. In the dashboard, search for Erste Bank (Hungary) and choose the account type you need — business or personal.
  3. You are redirected to Erste Bank's own secure login, where you approve access under PSD2. Your credentials are only ever entered on the bank's page.
  4. Once you confirm consent, your selected accounts sync into your dashboard and refresh automatically. Erste Bank grants consent for up to 180 days, after which you simply re-approve on their screen.

Access your data

After the 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone returns only ciphertext; without your private key, nothing is readable — that is what zero-knowledge means in practice.

The whole service costs around EUR 3 per month, covering 2,600+ EU and UK banks.

Do I need a PSD2 certificate to connect Erste Bank?

No. open-banking.io is certificate-free. You approve access directly on Erste Bank's consent screen — no eIDAS certificate or AISP licence required.

Can I connect Erste Bank using the CLI or an API key?

No. Connecting is a dashboard-only flow through Erste Bank's login. The CLI, SDK, and REST API only read and sync connections that already exist.

Erste Bank allows a maximum consent window of 180 days. When it expires, re-authorise on the bank's own screen from your dashboard.

Ready to start? Connect Erste Bank Hungary at open-banking.io.