Activo Bank API Access & Open Banking (Portugal)

Reaching your Activo Bank data no longer means wrestling with eIDAS certificates or building a PSD2 stack from scratch. open-banking.io gives you standardised, read-only access to Portuguese accounts held at Activo Bank (BIC ACTVPTPLXXX), covering both business and personal account types. Everything is decrypted on your own device with a key only you hold, so the service never sees your statements in the clear.

How to connect Activo Bank

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

  1. Sign up for an open-banking.io account.
  2. Set your encryption passphrase. Your keys are generated locally on your device, never uploaded.
  3. In the dashboard, search for Activo Bank and choose your account type (business or personal).
  4. You are redirected to Activo Bank's own secure login, where you approve access under PSD2. Consent lasts up to 180 days, after which you simply re-authorise.
  5. Your accounts and transactions sync back into the dashboard automatically.

Because you approve directly on Activo Bank's consent screen, your credentials are never shared with open-banking.io.

Access your data

Once Activo Bank is connected, developers can optionally read the data 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.
  • Or call the REST API / SDK, passing your key in the X-Api-Key header.

Every response arrives encrypted and is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key it stays unreadable, which is what makes the platform zero-knowledge and certificate-free. Plans start at roughly EUR 3/month.

Do I need a QWAC or eIDAS certificate?

No. open-banking.io handles the regulated PSD2 connectivity for you, so no certificate setup is required on your side.

Can open-banking.io read my Activo Bank transactions?

No. The servers hold only your public key. Data is decrypted on your device, so the platform stores ciphertext it cannot open.

Up to 180 days per authorisation. When it expires, reconnect from the dashboard to refresh access.

Ready to start? Visit open-banking.io.