Cofidis Portugal API Access — Open Banking Data

Pulling live data out of Cofidis (Portugal) no longer means wrestling with bespoke bank integrations or eIDAS certificates. With open-banking.io you connect once and stream account, balance and transaction data straight into your own product, spreadsheet or ledger. The same endpoints that cover 2,600+ European banks work for Cofidis, so a single integration scales the moment you add another institution.

Cofidis is identified by BIC CFFIPTP1XXX, and both business and personal account types are reachable through the API. Whether you are reconciling a company facility or giving individuals a read-only view of their own finances, the flow is identical.

How to connect Cofidis

  1. Create a free open-banking.io account and grab your API key.
  2. Call the connection endpoint with the Cofidis (Portugal) identifier.
  3. Redirect the account holder to Cofidis to authenticate and approve access.
  4. Receive the consent token and begin fetching data — no certificate setup required.

What data you can access

  • Accounts — identifiers, currency and account metadata.
  • Balances — current and available amounts, refreshed on demand.
  • Transactions — booked and pending entries with counterparties, dates and reference details.

Each Cofidis authorisation stays valid for up to 180 days before the holder needs to re-approve, giving you a long window for recurring syncs without constant re-prompting. Coverage runs across the wider European network, so Cofidis sits alongside thousands of other banks under one contract.

Privacy by design

open-banking.io is zero-knowledge: your customers' credentials are entered only at Cofidis, never on our platform, and we do not retain the banking data that passes through. There are no QWAC or QSEAL certificates to buy, renew or manage — the certificate-free model removes the heaviest part of PSD2 onboarding.

Pricing

Access starts at roughly EUR 3 per month, a flat and predictable cost that includes Cofidis and every other supported bank. There are no per-connection surcharges to plan around.

Is a QWAC or eIDAS certificate needed for Cofidis?

No. open-banking.io handles the regulated layer, so you integrate against a plain REST API with no certificates.

How long does Cofidis access last before renewal?

Consent remains active for up to 180 days, after which the account holder simply re-authenticates.

Can I read both business and personal Cofidis accounts?

Yes. Both account types are supported through the same endpoints and consent flow.

Ready to sync Cofidis data? Start at open-banking.io.