Banca Cesare Ponti API Access & Open Banking Data

Banca Cesare Ponti is a Milan-based private bank, and open-banking.io gives you a certificate-free way to reach its account data under PSD2. Instead of chasing a sandbox, a TPP licence or eIDAS certificates, you sign in to one dashboard, approve access on the bank's own screens, and let your accounts flow into a private, encrypted workspace. Banca Cesare Ponti supports personal accounts, carries the BIC BCEPITMMXXX, and grants a consent window of up to 180 days before you renew it.

The design is deliberately zero-knowledge: your encryption keys are generated on your own device, and open-banking.io only ever holds your public key. Everything you retrieve is decrypted locally, so the service can never read your balances or transactions.

How to connect Banca Cesare Ponti

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

1. Sign up for open-banking.io and set an encryption passphrase. Your private key is created locally and never leaves your device.
2. In the dashboard, search for Banca Cesare Ponti and choose the personal account type.
3. You are redirected to Banca Cesare Ponti's own secure login, where you authenticate and approve the PSD2 consent directly with the bank.
4. Once approved, your accounts sync back into the dashboard, encrypted under your key and valid for the 180-day consent period.

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 that bundles the API key with your private decryption key. From there use the CLI — openbanking accounts, openbanking transactions, openbanking sync — or an SDK or the REST API. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard; they never establish a new one. All of this runs for roughly EUR 3/month.

Do I need eIDAS certificates for Banca Cesare Ponti?

No. open-banking.io is certificate-free — the consent you approve on the bank's screen is all that is required.

Can open-banking.io see my Banca Cesare Ponti transactions?

No. It stores only your public key, so data stays ciphertext on its servers and is decrypted on your device.

Does an API key alone return readable data?

No. Without the private key in your credentials.json you receive only ciphertext; decryption happens locally.

Start at open-banking.io.