BPI API Access — Portugal Open Banking Data

Banco BPI is one of Portugal's largest retail and commercial banks, serving both personal customers and businesses across the country. If you want a clean, private way to pull your BPI balances and transactions into your own tools, open-banking.io gives you PSD2 access without the usual friction — no eIDAS certificate, no bank sponsorship, and no server that can ever read your data.

Everything is encrypted on your own device with a key only you hold. open-banking.io stores only your public key, so it can sync ciphertext but never decrypt it. That zero-knowledge design covers BPI (BIC BBPIPTPL) alongside 2,600+ other EU and UK banks, for roughly EUR 3/month.

How to connect BPI

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 open the dashboard.
  2. Set an encryption passphrase. Your keys are generated locally on your device; the passphrase never leaves it.
  3. In the dashboard, choose BPI and pick the account type you need — business or personal are both supported.
  4. You're redirected to BPI's own secure login, where you approve access on the bank's PSD2 consent screen.
  5. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on BPI's screen.

That's the whole flow. The bank authenticates you directly — open-banking.io never sees your BPI credentials.

Access your data

Once BPI 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, sending your API key in the X-Api-Key header.

Every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, the data stays unreadable. The CLI and SDK read and sync existing connections; they never connect a bank themselves.

Do I need an eIDAS certificate for BPI?

No. open-banking.io is certificate-free — you connect BPI straight from the dashboard by approving access on the bank's own consent screen.

Can open-banking.io see my BPI transactions?

No. Your data is decrypted only on your device with a key you hold. The service stores your public key and encrypted data, and cannot read it.

How long does BPI access stay active?

BPI grants consent for up to 180 days. When it expires, re-approve on BPI's login screen to keep syncing.

Ready to start? Visit open-banking.io.