BCC Montepaone Open Banking & API Access (Italy)

Reaching your BCC Montepaone account data no longer means wrestling with PSD2 certificates or building bespoke bank integrations. open-banking.io links to this Calabrian credit cooperative (BIC ICRAITRR3I0) and streams your statements and balances into one dashboard, with every figure decrypted locally using a key that never leaves your device. Whether you hold a business or personal account, both are supported, and a single consent stays valid for up to 180 days before renewal.

Because open-banking.io is zero-knowledge, its servers only ever store your public key. The data itself is unreadable to anyone but you — no certificate authority, no shared secret, no bank credentials handed to a third party.

How to connect BCC Montepaone

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 cryptographic keys are generated right there on your own device.
  2. In the dashboard, choose BCC Montepaone from the bank list and select whether you're linking a business or personal account.
  3. You're redirected to BCC Montepaone's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into the dashboard automatically and refresh as new transactions post.

That's the whole flow — you authenticate directly with BCC Montepaone, and open-banking.io never sees your banking password.

Access your data

Developers who want programmatic access can take an optional extra step after the account is connected. From 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. Requests carry 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 readable data appears solely on your machine. The CLI and SDK read and sync existing connections — they never establish new ones.

All of this runs from roughly EUR 3 per month.

Does open-banking.io store my BCC Montepaone login?

No. You authenticate on BCC Montepaone's own consent screen, and open-banking.io holds only your public key.

Yes. BCC Montepaone supports both account types, each granted through its own consent of up to 180 days.

Do I need a developer setup to use it?

No. Connecting and viewing accounts is dashboard-only; the API key and credentials.json are optional for programmatic reads.

Start connecting BCC Montepaone at open-banking.io.