Access Unicre Open Banking Data & API in Portugal

Unicre is a Portuguese financial-credit institution behind some of the country's best-known card and payment products. If you want a live, machine-readable view of a Unicre account, open-banking.io gives you PSD2 access without certificates, eIDAS registration, or a bank sandbox to wrestle with. Both business and personal account types are supported, and a single consent stays valid for up to 180 days before it needs refreshing. Unicre is identified by BIC UIFCPTP1XXX.

The service is certificate-free and zero-knowledge: encryption keys are generated on your own device, and open-banking.io only ever stores your public key. Everything you actually read is decrypted locally, so the servers hold ciphertext they cannot open.

How to connect Unicre

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 private key is created locally at this moment and never leaves your device.
  2. In the dashboard, choose Unicre and select whether you're linking a business or personal account.
  3. You're redirected to Unicre's own secure login, where you approve the PSD2 access request directly with the bank.
  4. Once approved, your accounts and transactions sync back into your dashboard, ready to view.

That's the whole flow — you authorise on Unicre's screen, not through any developer redirect.

Access your data

Reading Unicre data programmatically is optional, and available only after a connection already 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 you can 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. Without that private key an API key alone returns only ciphertext — the tooling reads and syncs existing connections; it never creates one.

All of this runs on a flat subscription of roughly EUR 3/month.

FAQ

Do I need an eIDAS certificate to access Unicre?

No. open-banking.io is certificate-free — you connect through Unicre's standard consent screen and never handle QWAC or QSEAL certificates.

Can the CLI connect my Unicre account?

No. Connecting only happens in the dashboard via Unicre's login. The CLI and SDK only read or sync accounts you've already linked.

Can open-banking.io read my Unicre transactions?

No. The platform is zero-knowledge and holds only your public key; data is decrypted on your device with a key that never leaves it.

Ready to start? Visit open-banking.io.