UniCredit Bank Romania API Access & Open Banking

Reading your UniCredit Bank Romania balances and transactions programmatically usually means wrestling with eIDAS certificates and a bank sandbox. open-banking.io removes that entirely. It is a certificate-free, zero-knowledge bridge to 2,600+ EU and UK banks, so you get regulated PSD2 access to UniCredit Bank without registering as a licensed provider or maintaining any signing infrastructure.

UniCredit Bank in Romania covers both business and personal accounts, and a single approval grants a 180-day access window before you renew consent. UniCredit's Romanian retail operation does not publish a single dedicated BIC here, so no BIC is required — you simply select the bank by name inside the dashboard.

How to connect UniCredit Bank

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in linking your account:

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device, so only you can ever unlock the data.
  2. In the dashboard, search for and pick UniCredit Bank (Romania) and choose whether you're linking a business or personal account.
  3. You're redirected to UniCredit Bank's own secure login and consent screen, where you approve access directly with the bank.
  4. Once approved, your accounts and transactions sync into your open-banking.io dashboard, refreshing for the full 180-day consent period.

Access your data

Want the data in your own code? That's an optional step you take after connecting. 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. Then 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. The CLI and SDK only read and sync connections you've already made — they never establish the bank link itself.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key on its own returns ciphertext; without your private key, nobody — including open-banking.io — can read your UniCredit Bank data. All of this runs for roughly EUR 3/month.

Do I need an eIDAS certificate for UniCredit Bank?

No. open-banking.io is certificate-free, so the PSD2 access is handled for you without any signing certificate.

Yes. UniCredit Bank Romania supports business and personal accounts, and you connect each one separately in the dashboard.

How long does access last before I re-approve?

Each consent lasts up to 180 days, after which you re-approve on UniCredit Bank's own screen to keep syncing.

Start accessing UniCredit Bank Romania data at open-banking.io.