Credito Padano API Access & Open Banking Sync

Credito Padano, the Cremona-based cooperative bank (Banca di Credito Cooperativo) serving Lombardy, keeps its account and transaction data locked inside its own online banking. open-banking.io gives you a compliant, PSD2-based path to that data without wrestling with eIDAS certificates or a bank sandbox. Both business and personal Credito Padano accounts are supported, and every access grant lasts up to the 180-day consent window before you re-approve it.

What sets this apart is the trust model: your Credito Padano data is decrypted on your own device with a key only you hold. open-banking.io stores only your public key, so its servers never see your balances or transactions in the clear — a genuinely zero-knowledge, certificate-free setup.

How to connect Credito Padano

Connecting happens entirely in 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 locally on your device at this moment.
  2. In the dashboard, search for Credito Padano (BIC ICRAITR1CM5) and choose the account type you want to link — business or personal.
  3. You're redirected to Credito Padano's own secure login, where you authenticate and approve the access request on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into the dashboard and stay current for the life of the 180-day consent.

That's the whole flow — you authorise directly with the bank, and nothing sensitive passes through open-banking.io unencrypted.

Access your data

Reading Credito Padano data programmatically is an optional step you take after the connection exists. 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your private key. The key alone returns only ciphertext, so your data stays yours even in transit.

Do I need an eIDAS certificate for Credito Padano?

No. open-banking.io is certificate-free — you approve access on the bank's own consent screen instead.

Can open-banking.io read my Credito Padano transactions?

No. It holds only your public key; decryption happens on your device, so the service never sees your data in readable form.

What does it cost?

Around EUR 3 per month, covering access to Credito Padano and 2,600+ other EU and UK banks.

Start connecting Credito Padano at open-banking.io.