Banco Comercial Portugues Open Banking & API Access

Banco Comercial Portugues (BCP), Portugal's largest private bank and the group behind the Millennium brand, is fully reachable through open-banking.io. Rather than wrestling with eIDAS certificates, sandbox registrations or bespoke PSD2 onboarding, you get read access to your BCP accounts in minutes and keep every byte encrypted under a key that never leaves your device.

open-banking.io covers 2,600+ European and UK banks for roughly EUR 3 per month. It is zero-knowledge by design: the platform stores only your public key, so its servers physically cannot read or decrypt your statements. BCP is identified by BIC BCOMPTPL, supports both business and personal account types, and grants access consents lasting up to 180 days before a renewal is required.

How to connect Banco Comercial Portugues

Connecting happens entirely inside 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 key pair is generated locally on your own device.
  2. In the dashboard, search for Banco Comercial Portugues and choose the account type you need — business or personal.
  3. You are redirected to BCP's own secure Millennium login, where you approve the access request on the bank's PSD2 consent screen.
  4. Once approved, your accounts and transactions sync back into the dashboard automatically, and refresh for the life of the 180-day consent.

Access your data

Reading BCP data programmatically is an optional step for developers, taken only after the connection above exists. Open 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 directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key alone only ever returns ciphertext, so your financial data stays private even in transit.

Do I need a certificate or developer account with BCP?

No. open-banking.io handles the PSD2 licensing, so you never touch eIDAS certificates or BCP's developer portal.

Can open-banking.io read my Banco Comercial Portugues balances?

No. It holds only your public key. Decryption happens on your device with a private key only you possess.

How long does access last?

BCP consents run up to 180 days. When one expires, simply re-approve on the Millennium consent screen from your dashboard.

Ready to start? Visit https://open-banking.io and connect Banco Comercial Portugues today.