CEC Bank API Access via Open Banking (Romania)

Reaching your CEC Bank accounts programmatically usually means wrestling with eIDAS certificates and a bespoke PSD2 sandbox. open-banking.io removes that layer: it gives you one consistent way to reach CEC Bank (BIC CECEROBU) alongside 2,600+ other EU and UK institutions, whether you hold a personal or a business account. You approve access once, and your balances and transactions become available to read — as plain, structured data that only you can decrypt.

The service is zero-knowledge by design. Your encryption keys are generated on your own device from a passphrase you choose, and open-banking.io only ever stores your public key. Every figure that syncs from CEC Bank is decrypted locally, on your machine — the servers hold ciphertext they cannot read.

How to connect CEC Bank

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 private key is created locally and never leaves your device.
  2. In the dashboard, search for CEC Bank and choose whether you're linking a business or personal account.
  3. You're redirected to CEC Bank's own secure login, where you review and approve the access request (standard PSD2 consent).
  4. Control returns to your dashboard and your CEC Bank accounts begin syncing. Consent stays valid for up to 180 days, after which you simply re-approve on CEC Bank's screen.

No certificate to buy, no registration with a regulator, no waiting on a sandbox.

Access your data

Once CEC Bank is linked, reading it programmatically is an optional developer step. From 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 carry your key in the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext; without your private key, nothing is readable. There is no connect command — the CLI and SDK only read and sync connections you already established in the dashboard.

Pricing is a flat ~EUR 3/month across every connected bank.

Do I need a PSD2 certificate for CEC Bank?

No. open-banking.io is certificate-free; consent is granted directly on CEC Bank's login screen.

Can open-banking.io see my CEC Bank balances?

No. It stores only your public key, so all data stays encrypted to a key only you hold.

Yes. CEC Bank supports both; pick the account type when connecting in the dashboard.

Start at open-banking.io.