Caixa Geral de Depósitos API Access & Open Banking

Caixa Geral de Depósitos (BIC CGDIPTPL) is Portugal's largest state-owned bank, and open-banking.io lets you pull its account and transaction data into one place without wrestling with eIDAS certificates or a QSEAL setup. Both business and personal CGD accounts are supported, and every figure that reaches your screen is decrypted locally with a key only you hold — open-banking.io stores only your public key and can never read your balances.

How to connect Caixa Geral de Depósitos

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

  1. Sign up at open-banking.io and set your encryption passphrase. Your key pair is generated on your own device, so the passphrase never leaves it.
  2. In the dashboard, search for Caixa Geral de Depósitos and choose your account type (business or personal).
  3. You are redirected to CGD's own secure login, where you approve access under PSD2 — your credentials are entered only on the bank's site.
  4. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on CGD's screen.

Access your data

Reading CGD data programmatically is an optional developer step you take after the connection exists. 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. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key. Without that private key an API key alone returns only ciphertext, so the data stays yours even in transit.

Frequently asked questions

Do I need an eIDAS or QWAC certificate for CGD?

No. open-banking.io is certificate-free — you approve access directly on Caixa Geral de Depósitos's consent screen, with no PSD2 certificate to obtain or maintain.

Can open-banking.io see my Caixa Geral de Depósitos balances?

No. The service is zero-knowledge and holds only your public key. Balances and transactions are decrypted on your device with a private key that never leaves it.

How much does it cost?

Around EUR 3 per month, covering access to CGD and 2,600+ other EU/UK banks.

Ready to start? Connect Caixa Geral de Depósitos at open-banking.io.