BCC Arborea Open Banking & API Access Explained

Reaching your BCC Arborea account data no longer means wrestling with PSD2 certificates, sandbox registrations, or a bank-specific developer portal. open-banking.io gives you one privacy-first path to your Sardinian cooperative's accounts: your data is decrypted locally with an encryption key that only you hold, and open-banking.io's servers only ever store your public key. That is what "zero-knowledge" means here — the service can move ciphertext for you, but it can never read it.

BCC Arborea (BIC ICRAITRRA20) supports both business and personal accounts, and consent you grant lasts for up to 180 days before it needs renewing. open-banking.io covers 2,600+ EU and UK banks, so the same workflow you use for BCC Arborea also applies to every other institution you hold.

How to connect BCC Arborea

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 your encryption passphrase. Your keys are generated on your own device, so no one else can regenerate them.
  2. In the dashboard, pick BCC Arborea and choose the account type you want to link (business or personal).
  3. You are redirected to BCC Arborea's own secure login, where you approve access on the bank's PSD2 consent screen — your credentials go only to the bank.
  4. Your accounts then sync back into your dashboard, ready to view.

Access your data

Programmatic access is an optional step you take after the connection above exists. On the Developers page, create an API key and export a credentials.json — it bundles the API key together with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key there is nothing readable to see. Note that these tools read and sync existing connections; they never create a new one.

All of this runs on a flat subscription of roughly EUR 3/month, with no per-call fees and no certificate paperwork.

Do I need a PSD2 certificate for BCC Arborea?

No. open-banking.io is certificate-free — you approve access directly on BCC Arborea's consent screen.

Can open-banking.io read my BCC Arborea transactions?

No. The service is zero-knowledge and holds only your public key; decryption happens on your device.

Up to 180 days, after which you re-approve access from the dashboard.

Ready to start? Visit open-banking.io.