Crédito Agrícola API Access & Open Banking Data

Crédito Agrícola is one of Portugal's largest cooperative banking groups, and open-banking.io gives you a clean, standards-based way to reach its account data without wrestling with eIDAS certificates or a custom PSD2 integration. You connect once, and your Crédito Agrícola balances and transactions flow into a dashboard where the data is decrypted on your own device with a key only you hold. It covers both business and personal account types, identified by BIC CCCMPTPL.

The service is zero-knowledge by design: open-banking.io stores only your public key, so its servers can never read what your bank sends back. That certificate-free model, spanning 2,600+ EU and UK banks, costs around EUR 3/month.

How to connect Crédito Agrícola

Connecting happens entirely inside 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 an encryption passphrase. Your encryption keys are generated locally on your device the moment you do.
  2. In the dashboard, choose Crédito Agrícola and select the account type you need — business or personal.
  3. You are redirected to Crédito Agrícola's own secure login, where you approve access under PSD2. Your credentials are only ever seen by the bank.
  4. Once you consent, your accounts sync back into your dashboard. The consent you grant lasts up to 180 days, after which you simply reapprove on the bank's screen.

Access your data

Reading the data programmatically is an optional step you unlock only after the connection above 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. Every request carries your key in the X-Api-Key header, and every response is decrypted locally with your private key. An API key on its own returns only ciphertext — without the private key held on your device, the data stays unreadable, which is what keeps the whole system zero-knowledge.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you approve access directly on Crédito Agrícola's login screen and skip the QWAC/QSEAL paperwork entirely.

Can open-banking.io read my Crédito Agrícola data?

No. The service holds only your public key. Decryption happens on your device with a private key that never leaves it.

How long does my Crédito Agrícola connection stay active?

Up to 180 days per consent. When it lapses, reauthorise in a few clicks on the bank's own screen.

Start at open-banking.io.