Cofidis Portugal API Access & Open Banking Sync

Pulling your Cofidis (Portugal) balances and transactions into your own tools usually means wrestling with certificates and sandbox paperwork. open-banking.io removes that: it covers 2,600+ EU and UK banks — Cofidis included — behind a single certificate-free service, and every figure is decrypted on your own device with a key only you hold.

Cofidis (BIC CFFIPTP1XXX) is reachable for both business and personal account types, with a PSD2 consent that stays valid for up to 180 days before you re-approve.

How to connect Cofidis

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 set your encryption passphrase. Your keys are generated locally, right there in your browser, so nobody else can reconstruct them.
  2. In the dashboard, pick Cofidis from the bank list and choose whether you're linking a business or personal account.
  3. You're redirected to Cofidis's own secure login, where you approve access on their consent screen — your credentials are only ever entered at the bank.
  4. Once approved, your Cofidis accounts sync straight into your dashboard, ready to view.

Access your data

Programmatic access is an optional step for developers, and 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. Calls carry your key in the X-Api-Key header, and every response is decrypted locally with your private key. The CLI and SDK only read and sync connections that already exist — they never establish one.

Because open-banking.io is zero-knowledge, its servers hold only your public key and can never read your Cofidis data. All of this runs at roughly EUR 3/month.

Can I connect Cofidis with just an API key?

No. Connecting is done in the dashboard by approving access on Cofidis's login. An API key is only for reading data afterward — and without your private key it returns ciphertext.

Up to 180 days. After that you simply re-approve through the dashboard to keep syncing.

Does open-banking.io see my banking data?

No. Decryption happens on your device with a key only you hold; the service stores only your public key.

Ready to link Cofidis? Get started at https://open-banking.io.