BCC Milano API Access & Open Banking Integration

Need programmatic access to your Banca di Credito Cooperativo di Milano data? open-banking.io links BCC Milano (BIC ICRAITRRCL0) to a single, developer-friendly dashboard that covers 2,600+ EU and UK banks. Both business and personal accounts are supported, and each authorisation stays valid for up to 180 days before you re-approve it.

What sets the service apart is the privacy model: it is zero-knowledge and certificate-free. Your encryption keys are generated on your own device from a passphrase you choose, so account data is only ever decrypted locally. open-banking.io's servers hold your public key and encrypted blobs — never anything they can read.

How to connect BCC Milano

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 private key is created locally at this moment and never leaves your machine.
  2. In the dashboard, search for BCC Milano and choose the account type you want to link (business or personal).
  3. You are redirected to BCC Milano's own secure login, where you approve access under PSD2 consent — your credentials go only to the bank.
  4. Once approved, your accounts and transactions sync back into your open-banking.io dashboard automatically.

Access your data

Reading BCC Milano data in code is an optional step you take after connecting. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request authenticates with the X-Api-Key header, and each 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, which is exactly what keeps the system zero-knowledge.

FAQ

Do I connect BCC Milano with an API key?

No. Linking is done in the dashboard by approving access on BCC Milano's own consent screen. The API key is only for reading data afterwards.

Up to 180 days for BCC Milano, after which you re-authorise from the dashboard.

Can open-banking.io read my transactions?

No. Data is decrypted only on your device with a key derived from your passphrase; the servers hold just your public key.

All of this runs from around EUR 3/month. Get started at open-banking.io.