Emil Banca Open Banking & API Access for Developers

Emil Banca is a cooperative bank (BCC) rooted in Emilia-Romagna, serving personal and business members across Bologna and beyond. If you want to pull your Emil Banca balances and transactions into your own tools, open-banking.io gives you a certificate-free, PSD2-compliant path — no bank partnership, no eIDAS certificate, and no proprietary integration to maintain. Everything is decrypted locally with a key that never leaves your device.

How to connect Emil Banca

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

  1. Sign up at open-banking.io and set an encryption passphrase. Your key pair is generated on your own device; only your public key is ever uploaded.
  2. In the dashboard, search for Emil Banca and choose your account type — personal or business are both supported.
  3. You are redirected to Emil Banca's own secure login, where you approve access (PSD2 consent). open-banking.io never sees your banking credentials.
  4. Your approved accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

Emil Banca has no BIC on file here, so selecting it by name in the dashboard is the reliable way to find it.

Access your data

Once Emil Banca is connected, reading it programmatically is an optional developer step. 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 carries your key in the X-Api-Key header, and every response is decrypted locally with your private key. The API key alone only ever returns ciphertext — without the private key held on your device, the data stays unreadable. There is no connect command: the CLI and SDK only read and sync connections you already approved in the dashboard.

Zero-knowledge by design

open-banking.io holds only your public key, so its servers can never read or decrypt your Emil Banca data. Access to 2,600+ EU and UK banks costs around EUR 3/month.

Does open-banking.io store my Emil Banca password?

No. You authenticate on Emil Banca's own login page; only your device holds the keys that decrypt the synced data.

Can I connect a business account?

Yes. Emil Banca supports both personal and business account types when you pick the bank in the dashboard.

How long does access last before renewal?

PSD2 consent runs up to 180 days, then you re-approve directly on Emil Banca's consent screen.

Start at open-banking.io.