Caixa Económica Montepio Geral API Access | Portugal

Pulling live financial data out of Caixa Económica Montepio Geral no longer means wrestling with eIDAS certificates or bespoke bank integrations. With open-banking.io you point a single request at the Portuguese lender, let the account holder approve access, and start syncing Caixa Económica Montepio Geral accounts into your own product within minutes.

The same endpoints power over 2,600 institutions across the EU and UK, so once your code speaks to Montepio it already speaks to every other bank on the network.

How to connect Caixa Económica Montepio Geral

  1. Create an open-banking.io account and grab your API key.
  2. Start an authorisation for Caixa Económica Montepio Geral (BIC MPIOPTPLXXX).
  3. Redirect the customer to Montepio to log in and approve the requested scopes.
  4. Receive the callback and exchange it for a reusable access token.
  5. Call the accounts, balances and transactions endpoints and store what you need.

What data you can read

Both personal and business account types are supported. Once consent is granted you can retrieve account metadata (IBAN, currency, holder details), real-time and booked balances, and a dated stream of transactions for reconciliation, budgeting, lending checks or accounting sync.

A single Montepio consent stays valid for up to 180 days before the customer needs to re-authorise — one of the longer windows available under PSD2. Access is read-only: open-banking.io never initiates payments or moves money on your behalf.

Privacy by design

The platform is zero-knowledge: credentials go straight to Caixa Económica Montepio Geral and are never visible to us, and tokens are scoped to exactly what the customer approved. There are no QWAC/QSEAL certificates to buy or renew — that regulatory plumbing is handled for you, so a small team can ship a compliant integration without a compliance department.

Pricing

Access starts at roughly EUR 3 per month, with no per-call surcharges or setup fees. Test against sandbox data first, then flip to production when you are ready.

FAQ

Do I need my own PSD2 licence to use this?

No. You connect through open-banking.io's regulated access, so you skip the licensing and certificate overhead entirely.

Can I connect both business and personal Montepio accounts?

Yes. Both account types are available; the customer simply selects which accounts to share during the Montepio login step.

How often can I refresh Montepio data?

As often as your plan allows within the 180-day consent window. After that the customer re-approves to keep the connection live.

Ready to sync Caixa Económica Montepio Geral? Get started at open-banking.io.