BRD Open Banking & API Access via open-banking.io

Reaching your BRD accounts programmatically no longer means wrestling with bank certificates, sandbox registrations, or a stalled developer portal. open-banking.io gives you a single, privacy-first route to BRD (BRD Groupe Société Générale, BIC BRDEROBU) covering both personal and business accounts across Romania. You link the account once, and your balances and transactions flow into a dashboard that only you can decrypt.

What makes it different is the zero-knowledge design. When you sign up you set an encryption passphrase, and the keys are generated on your own device. open-banking.io stores only your public key, so its servers physically cannot read your BRD data — everything is decrypted locally, by you. No eIDAS certificate, no PSD2 licence of your own, and no infrastructure to run. Access costs roughly EUR 3 per month.

How to connect BRD

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

  1. Create your account and set your encryption passphrase (your keys never leave your device).
  2. In the dashboard, choose BRD from the bank list and select the account type — personal or business.
  3. You are redirected to BRD's own secure login, where you approve access on the bank's official PSD2 consent screen.
  4. Your accounts sync back into the dashboard, ready to view.

BRD grants a consent window of up to 89 days, after which you simply re-approve from the dashboard to keep the connection live.

Access your data

Once BRD is connected, reading the data in code is an optional developer step. Open 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 directly. 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 — which is exactly the point.

Do I need a certificate or PSD2 licence?

No. open-banking.io is certificate-free. You approve access on BRD's own consent screen; nothing else is required from you.

Can open-banking.io read my BRD transactions?

No. The service is zero-knowledge and holds only your public key. Your data is decrypted on your device with a key only you possess.

Does the CLI connect my bank?

No. The CLI and SDK only read and sync connections you have already approved in the dashboard. There is no connect command.

Ready to link BRD? Get started at open-banking.io.