Unicre API Access: Sync Portugal Accounts

Bringing Unicre account data into your own tools no longer means wrestling with eIDAS certificates or bank-specific onboarding. With open-banking.io you plug into Unicre (BIC UIFCPTP1XXX) through a single European API and keep your ledgers, dashboards and reconciliation flows continuously in sync.

Whether you run a fintech product, an accounting integration or an internal finance stack, one endpoint lets you read live Unicre data and refresh it on your own schedule.

How to connect Unicre

1. Create an open-banking.io account and grab your API key.
2. Call the connections endpoint and select Unicre from the Portuguese institution list.
3. Redirect the account holder to Unicre's secure PSD2 login to approve access.
4. Receive the consent token and start requesting data straight away.

No certificates to provision, no sandbox paperwork, no per-bank contracts.

What data you can access

• Accounts — identifiers and metadata for both business and personal Unicre accounts.
• Balances — current and available figures updated on demand.
• Transactions — dated, categorisable movement history for reconciliation and analytics.

Consent and coverage

Each Unicre authorisation stays valid for up to 180 days before the account holder re-confirms, keeping data flowing without constant re-linking. Unicre is one of 2,600+ banks reachable through the same open-banking.io interface, so adding further Portuguese or wider EU/UK institutions is just another call — not another integration.

Privacy by design

open-banking.io is zero-knowledge: your customers' banking credentials go straight to Unicre and are never stored or seen by us. The platform is certificate-free, removing the eIDAS QWAC/QSEAL burden that traditionally gates PSD2 access. You handle data; we never hold it.

Pricing

One flat plan of roughly EUR 3/month covers Unicre connectivity along with the full 2,600+ bank network — no setup fees, no per-call surprises, no enterprise minimums.

FAQ

Do I need an eIDAS certificate to reach Unicre?

No. open-banking.io is certificate-free, so you skip the QWAC/QSEAL setup entirely and connect through our licensed infrastructure.

Can I link both business and personal Unicre accounts?

Yes. Both account types are supported, and each connection is authorised individually by the account holder via Unicre's own login.

How often must consent be renewed?

Unicre consent lasts up to 180 days. After that the account holder simply re-authorises to keep accounts, balances and transactions syncing.

Ready to start? Explore the docs and connect Unicre at open-banking.io.