Banca Mediolanum Open Banking & API Access Guide

Reaching your Banca Mediolanum accounts programmatically usually means wrestling with PSD2 sandboxes, eIDAS certificates and per-bank paperwork. open-banking.io removes all of that. It gives you one dashboard to link Banca Mediolanum in Italy, then keeps every balance and transaction encrypted with a key that never leaves your device. The service covers 2,600+ EU and UK banks, so Banca Mediolanum sits alongside the rest of your accounts in a single, consistent view.

Banca Mediolanum supports both business and personal accounts, and consent to share data lasts up to 180 days before you re-approve. No public BIC is listed for this connection, so you simply select the bank by name in the dashboard.

How to connect Banca Mediolanum

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 an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated locally on your own device; open-banking.io only ever holds your public key.
  3. Pick Banca Mediolanum in the dashboard and choose the account type (business or personal).
  4. Approve on Banca Mediolanum's own screen. You are redirected to the bank's secure login to grant PSD2 consent — your credentials are entered only with Banca Mediolanum, never with us.
  5. Your accounts sync back into the dashboard, ready to view.

Access your data

Once the connection exists, developers can optionally read it in code. On the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key an API request returns only ciphertext — the servers cannot read it.

That is what certificate-free, zero-knowledge open banking means: no eIDAS certificate, no bank onboarding, and no server that can see your Banca Mediolanum data. All of it for roughly EUR 3/month.

Do I need an API key to connect Banca Mediolanum?

No. Connecting is done in the dashboard by approving access on Banca Mediolanum's login screen. API keys are only for reading data afterward.

Can open-banking.io see my Banca Mediolanum balances?

No. Data is decrypted on your device with a key only you hold. The service stores only your public key and ciphertext.

How long does access to Banca Mediolanum last?

Up to 180 days per consent. When it expires, you re-approve on the bank's screen from the dashboard.

Ready to start? Connect Banca Mediolanum at open-banking.io.