CartaBCC Open Banking & API Access to Your Data

Need programmatic access to your CartaBCC accounts without wrestling with PSD2 certificates or building your own bank integration? open-banking.io reads your CartaBCC data for you and hands it back decrypted on your own machine. CartaBCC is the card and payment brand of Italy's BCC (Credito Cooperativo) network, identified by BIC ICRAITRRXXX, and open-banking.io supports both personal and business accounts under a single dashboard.

The service is zero-knowledge and certificate-free: encryption keys are generated on your device, and open-banking.io only ever holds your public key. That means the data flowing into your account is something only you can unlock.

How to connect CartaBCC

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

1. Sign up at open-banking.io and set an encryption passphrase. Your private key is generated locally, on your own device.
2. In the dashboard, search for and select CartaBCC, then choose the account type you want to link (personal or business).
3. You are redirected to CartaBCC's own secure login, where you approve access under PSD2 consent — your credentials are only ever entered on the bank's site.
4. Your accounts and transactions then sync back into your open-banking.io dashboard, encrypted to your key.

Each authorisation lasts up to the CartaBCC maximum of 180 days, after which you simply re-approve from the same consent screen.

Access your data

Once CartaBCC is connected, reading the data programmatically is an optional developer step. 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

or the SDK and REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Note there is no connect command — the CLI, SDK, and API only read or sync connections you have already approved in the dashboard. An API key on its own returns ciphertext; without your private key the data stays unreadable.

All of this runs at around EUR 3/month, with no per-bank certificate fees.

Does open-banking.io ever see my CartaBCC transactions?

No. It stores only your public key, so the data synced from CartaBCC is decrypted exclusively on your device.

Do I need to write code to link CartaBCC?

No. Linking is done in the dashboard by approving access on CartaBCC's login. Code is only for the optional read step afterwards.

Can I connect a business CartaBCC account?

Yes. Both personal and business account types are supported, each with a 180-day consent window.

Ready to start? Visit open-banking.io and link your CartaBCC accounts in minutes.