iBanFirst Open Banking & API Access, Decrypted Locally

Accessing your iBanFirst (Romania) accounts programmatically usually means TPP licences, eIDAS certificates and PSD2 plumbing. open-banking.io removes all of that. It is a zero-knowledge, certificate-free open-banking service covering 2,600+ banks across the EU and UK, where your financial data is decrypted locally with a key that only you hold. Add iBanFirst once, and your balances and transactions become available to read from a simple dashboard or, if you build software, from your own code.

iBanFirst is a cross-border payments and FX provider (BIC FXBBBEBBXXX), and both business and personal account types are supported. A single PSD2 consent stays valid for up to 180 days before you re-authorise.

How to connect iBanFirst

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

  1. Sign up at open-banking.io and set your encryption passphrase. Your keys are generated on your own device, so the service never sees them.
  2. In the dashboard, pick iBanFirst and choose the account type — business or personal.
  3. You are redirected to iBanFirst's own secure login to approve access under PSD2. You authenticate directly with the bank; open-banking.io never handles your credentials.
  4. Once approved, your iBanFirst accounts sync into your dashboard and stay refreshed for the life of the consent.

Access your data

After iBanFirst is connected, reading the data in code is an optional developer step. 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 directly.

Every request sends the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, the data stays unreadable, even to open-banking.io, which holds nothing but your public key.

FAQ

Do I need an eIDAS certificate or a licence?

No. open-banking.io is certificate-free. You approve access on iBanFirst's consent screen and the service handles the regulated connection.

Can the CLI or API connect iBanFirst for me?

No. Connecting is done once in the dashboard via iBanFirst's login. The CLI, SDK and REST API only read and sync accounts you have already connected.

What does it cost?

Around EUR 3/month for full access to your connected banks.

Ready to start? Connect iBanFirst at open-banking.io.