Santander Totta API Access & Open Banking (PT)

Reaching your Santander Totta accounts programmatically usually means EBA licences, eIDAS certificates and a PSD2 gateway to maintain. open-banking.io removes that: it is a hosted, certificate-free bridge to 2,600+ EU and UK banks, including Santander Totta (BIC TOTAPTPL), covering both business and personal accounts. You approve access once, your data syncs, and everything is decrypted on your own device with a key nobody else holds.

The service is zero-knowledge by design. When you sign up you set an encryption passphrase, and your key pair is generated locally — open-banking.io only ever stores your public key, so it can relay ciphertext but can never read your balances or transactions.

How to connect Santander Totta

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 created on your device).
  2. In the dashboard, choose Santander Totta and pick the account type you need — business or personal.
  3. You are redirected to Santander Totta's own secure login, where you approve access under PSD2. Your consent lasts up to 180 days, after which you simply re-approve.
  4. Your selected accounts sync back into your dashboard, ready to view.

Access your data

Once a connection exists, developers can optionally read it programmatically. 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 every response is decrypted locally with your own key. The API key alone only ever yields ciphertext — without your private key there is nothing readable to return.

Pricing is a flat ~EUR 3/month, with no certificate fees or per-call charges.

FAQ

Do I connect Santander Totta with an API key?

No. Connecting is done in the dashboard, where you approve access on Santander Totta's own consent screen. API keys are only for reading data from an existing connection afterwards.

Can open-banking.io see my Santander Totta data?

No. It is zero-knowledge and holds only your public key. Data is decrypted locally with the private key that never leaves your device.

Up to 180 days per PSD2 rules. When it expires, reconnect Santander Totta in the dashboard to renew.

Ready to start? Visit open-banking.io.