Credito Emiliano Open Banking & API Access Guide

Credito Emiliano (Credem) is one of Italy's established privately owned banks, and open-banking.io lets you reach its account and transaction data without wrestling with eIDAS certificates or a bespoke PSD2 integration. open-banking.io is a zero-knowledge gateway to 2,600+ EU and UK banks: your data is encrypted against a key generated on your own device, so what lands on our servers is ciphertext you alone can unlock. Credito Emiliano carries the BIC BACRIT22XXX and supports both business and personal accounts, with a maximum consent window of 180 days before you re-authorise.

How to connect Credito Emiliano

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 your encryption passphrase. Your private keys are created locally on your device and never leave it.
  2. In the dashboard, search for and select Credito Emiliano, then choose the account type you hold — business or personal.
  3. You are redirected to Credito Emiliano's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials are only ever entered on Credem's site.
  4. Once approved, your accounts sync straight into your open-banking.io dashboard, ready to view. The consent stays valid for up to 180 days.

Access your data

Once Credito Emiliano is connected, developers can optionally read the data programmatically. From the Developers page, create an API key and export a credentials.json — this bundles your 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. An API key on its own only ever returns ciphertext — the readable data exists only on your machine.

The whole service is certificate-free and costs around EUR 3/month.

Do I need a PSD2 certificate to connect Credem?

No. open-banking.io handles the regulated connection, so you never obtain or manage an eIDAS certificate yourself.

Can open-banking.io read my Credito Emiliano data?

No. It is zero-knowledge — our servers hold only your public key, so account and transaction data stays encrypted until it is decrypted on your device.

Can I connect a business account?

Yes. Credito Emiliano supports both business and personal accounts; pick the relevant type when selecting the bank in the dashboard.

Start at open-banking.io.