novobanco Open Banking & API Access in Portugal

Pull your novobanco account and transaction data into one place with open-banking.io, a certificate-free bridge to more than 2,600 EU and UK banks. novobanco (BIC BESCPTPL) is one of Portugal's larger institutions, and open-banking.io lets you reach both business and personal accounts under the PSD2 framework — without buying an eIDAS certificate or standing up your own bank integration. Everything you sync is encrypted on your own device with a key that never leaves it, so the service itself only ever holds ciphertext.

How to connect novobanco

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

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated locally, on your device; open-banking.io keeps only your public key.
  3. In the dashboard, search for novobanco and choose the account type you need — business or personal.
  4. You're redirected to novobanco's own secure login, where you approve access on the bank's consent screen. Your credentials go straight to the bank, never to us.
  5. Your accounts flow back into the dashboard and begin syncing. A single approval covers up to 180 days before novobanco asks you to renew consent.

Access your data

Once novobanco is connected, reading the data programmatically is an optional developer step. Open the Developers page, create an API key, and export a credentials.json — this file bundles the API key together with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. The API key alone only ever returns ciphertext — without the private half of your key, nothing is readable. That's what zero-knowledge means in practice: the servers relay encrypted blobs they cannot open.

All of this runs for roughly EUR 3 per month, with no per-connection or certificate fees.

FAQ

Do I connect novobanco with an API key?

No. You connect in the dashboard and approve on novobanco's own login. API keys exist only for reading data afterwards.

Can open-banking.io see my novobanco balances?

No. Data is decrypted on your device with a key only you hold; the service stores your public key and encrypted data.

Up to 180 days per approval, after which you re-authorise with novobanco.

Ready to start? Visit https://open-banking.io.