Banca Cagliari API Access & Open Banking Integration

Reaching your Banca Cagliari account data no longer means wrestling with eIDAS certificates or a bank sandbox. open-banking.io gives you PSD2 access to this Sardinian cooperative bank (BIC ICRAITRRUG0) through a single dashboard, and because the platform is zero-knowledge, every figure that lands in front of you is decrypted on your own device with a key only you hold. Both business and personal account holders are covered, and a granted consent stays valid for up to 180 days before Banca Cagliari asks you to renew it.

There are no certificates to buy, no QSEAL/QWAC files to rotate, and no per-call bank fees. A flat subscription of roughly EUR 3/month covers access to Banca Cagliari alongside 2,600+ other EU and UK institutions.

How to connect Banca Cagliari

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 your encryption passphrase. Your keys are generated locally on your device, so nobody else — not even open-banking.io — can read what comes back.
  2. In the dashboard, pick Banca Cagliari from the bank list and choose the account type you hold (business or personal).
  3. You are redirected to Banca Cagliari's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts and transactions sync straight into your dashboard.

That's the whole flow. open-banking.io never sees your Banca Cagliari credentials, and the servers store only your public key.

Access your data

Want to pull the data programmatically? That's an optional step after your Banca Cagliari connection is live. On 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only returns ciphertext — the private key never leaves your machine.

Is a certificate or QWAC required?

No. open-banking.io is certificate-free; the consent is handled on Banca Cagliari's own login screen.

Can open-banking.io read my Banca Cagliari balances?

No. It is zero-knowledge and holds only your public key. Decryption happens on your device.

How long does access last before I re-approve?

Banca Cagliari consents are valid for up to 180 days, after which you re-confirm.

Start at open-banking.io.