Citi Handlowy Open Banking API Access in Poland

Citi Handlowy — the retail brand of Bank Handlowy w Warszawie S.A. and one of Poland's oldest banks — exposes account and payment data under PSD2. With open-banking.io you can reach that data without becoming a licensed provider, wrangling eIDAS certificates, or standing up your own consent infrastructure. You sign up, and your bank data is decrypted on your own device with a key that never leaves your hands.

open-banking.io covers 2,600+ EU and UK banks, and Citi Handlowy is one of them. Both business and personal accounts are supported, and a single approval keeps your connection live for up to 180 days before Citi Handlowy asks you to renew it. No published BIC is required to get started — you select the bank by name.

How to connect Citi Handlowy

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

  1. Create your open-banking.io account and set an encryption passphrase. Your keys are generated locally, so only you can ever unlock your data.
  2. In the dashboard, search for Citi Handlowy and choose whether you are linking a business or personal account.
  3. You are redirected to Citi Handlowy's own secure login, where you approve access on the bank's PSD2 consent screen — your credentials go only to the bank.
  4. Your accounts and transactions sync back into the dashboard, ready to view.

Access your data

Once a connection exists, developers can optionally read it programmatically. 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries an X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you have already made — there is no connect command.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key alone returns ciphertext; without your private key the data stays unreadable. All of this runs for around EUR 3/month.

FAQ

Does open-banking.io store my Citi Handlowy login?

No. You authenticate on Citi Handlowy's own consent screen, and the service never sees or stores your banking credentials.

Can I connect Citi Handlowy from the CLI?

No. Connecting is a dashboard-only flow. The CLI and SDK read and sync existing connections but cannot create one.

How long does access last?

Up to 180 days per approval, after which Citi Handlowy prompts you to renew consent.

Ready to start? Connect Citi Handlowy at open-banking.io.