Banca Comerciala Romana API Access & Open Banking

Banca Comerciala Romana (BCR) is one of Romania's largest banks, and open-banking.io lets you reach its account data without certificates, screen-scraping, or a custom PSD2 integration. Whether you run a business or a personal account, you connect once through the open-banking.io dashboard and your balances and transaction history sync into a place where only you hold the decryption key. open-banking.io covers 2,600+ EU and UK banks under one flat subscription, so BCR sits alongside every other account you already track.

How to connect Banca Comerciala Romana

Connecting happens entirely in the open-banking.io dashboard — there is no API call, key, or code involved in this step. First, sign up and set an encryption passphrase; your cryptographic keys are generated locally on your own device, never on the servers. Next, in the dashboard, pick Banca Comerciala Romana (BIC RNCBROBU) and choose your account type — both business and personal are supported. You are then redirected to BCR's own secure login, where you approve access on the bank's official consent screen. That approval is valid for up to 180 days, after which you simply renew it. Once you confirm, your BCR accounts appear in the dashboard and keep syncing automatically.

Access your data

After a connection exists, developers can optionally read it programmatically. On the Developers page, create an API key and export a credentials.json file — it 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 sends the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only ever returns ciphertext, because open-banking.io is zero-knowledge and stores nothing but your public key.

FAQ

Is my Banca Comerciala Romana data private?

Yes. The service is zero-knowledge: data is decrypted only on your device with a key the servers never see, so no one at open-banking.io can read it.

Do I need a developer account to connect BCR?

No. Connecting and syncing works from the dashboard alone. API keys and credentials.json are only for the optional programmatic reading step.

What does it cost?

Around EUR 3 per month, flat, covering BCR and every other supported bank — no per-connection or certificate fees.

Start at open-banking.io.