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CAIXADIRECTA API INTEGRATION
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Reach Caixa Geral de Depósitos account data, MB WAY events, and multi-bank balances through Portugal's PSD2 AIS rails.
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INTRODUCTION
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Caixadirecta is the retail homebanking app of Caixa Geral de Depósitos (CGD), Portugal's state-owned and largest bank, registered with Bank of Portugal under no. 35. What sets this app apart from a typical bank app is that it already aggregates balances from accounts a customer holds at OTHER banks and displays them alongside native CGD accounts. For fintech teams, accounting platforms, lenders, and PFM apps, this makes Caixadirecta integration unusually valuable: one connection point can surface balances, booked transactions, transfers, card activity, and MB WAY phone-payment events.
The authorized way to reach the core account ledger is through Portugal's PSD2 Account Information Service (AIS) rails, run via SIBS API Market on the Berlin Group NextGenPSD2 standard — the same shared open-banking hub that connects CGD with other Portuguese banks. This article walks through the supported API capabilities, the practical use cases teams build on top of them, and the compliance shape under Banco de Portugal and Decreto-Lei n. 91/2018.
For project scoping or to start a build, see:
https://openbankingstudio.com/caixadirecta.html
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SUPPORTED API FEATURES
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Account balances — booked balance plus available amount per account, in EUR, including aggregated other-bank tiles shown inside Caixadirecta
Transaction history — per-line booking date, amount, counterparty, and free-text remittance description for reconciliation and categorization
Transfers & scheduled payments — debtor/creditor IBAN, execution date, and status for both one-off and scheduled orders
Card data — card status and card movement tracking for spend monitoring and card-control flows
MB WAY events — SIBS' phone-number payment rail: sends, requests, and ATM withdrawals tracked as a distinct event feed
PSD2 AIS consent lifecycle — Berlin Group NextGenPSD2 consent creation, SCA redirect handling, and renewal management via SIBS API Market
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USE CASES & APPLICATIONS
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[1] Accounting & Bookkeeping Platforms
Nightly reconciliation of CGD statements against issued invoices
Automated transaction categorization for SME clients
Multi-account ledger sync for accounting SaaS tools serving Portuguese businesses
[2] Lending & Credit Risk Assessment
Reading roughly 90 days of booked transactions for affordability checks
One-off AIS consent flows scoped to a single underwriting decision
Income and cash-flow verification from booked transaction history
[3] Personal Finance Management (PFM) & Budgeting Apps
Merging native CGD balances with the app's own other-bank aggregated tiles into one consolidated view
Spend categorization across accounts and cards
Net-worth and cash-position dashboards for end users
[4] Treasury & Corporate Cash Management
Monitoring scheduled-transfer status and payout execution across company CGD accounts
Liquidity and cash-position dashboards refreshed on a controlled polling cadence
Multi-account treasury sync respecting the PSD2 unattended-access cap
[5] Payment & P2P Tracking Tools
Mapping MB WAY sends, requests, and ATM cash-outs as a standalone event feed
Reconciling MB WAY activity against the underlying account statement
Building phone-number-based payment records distinct from the core ledger
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BENEFITS & ADVANTAGES
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Regulated, documented access via SIBS API Market on the Berlin Group NextGenPSD2 standard
Reaches multi-bank aggregated balances, not just native CGD data
Strong customer authentication runs through the Caixadirecta app itself (biometrics/PIN) — no separate auth UX to build
Durable integration that survives CGD's own app redesigns, since AIS fields are versioned and standardized
MB WAY mapped as its own surface, avoiding false assumptions about ledger overlap
Consent-first, data-minimized design aligned with Banco de Portugal oversight and Decreto-Lei n. 91/2018
Delivered as runnable source code (Python/Node) plus an OpenAPI/Swagger interface spec — not a black box
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SUBSCRIPTION PLANS
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Two engagement models are available. The first is a one-time build starting from $300, where source code and a working integration are delivered before any invoice is due. The second is pay-per-call, where hosted endpoints are billed only for calls actually made, with no upfront cost. Both models run on a one-to-two-week delivery cycle, with TPP onboarding, sandbox access, and consent/compliance steps arranged as part of the engagement.
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CONCLUSION
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Caixadirecta sits at an interesting intersection in Portuguese open banking: a single app surface that blends native CGD account data, aggregated other-bank balances, and the MB WAY payment rail. Reaching this data reliably means combining the regulated PSD2 AIS route through SIBS API Market with targeted protocol mapping for the surfaces AIS doesn't standardize. For teams building accounting, lending, PFM, treasury, or payment-tracking products on top of Portuguese bank data, this is a clear, compliant path forward.
To scope a build or discuss your specific data needs, visit:
https://openbankingstudio.com/caixadirecta.html
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OpenBanking Studio · Protocol analysis and authorized API delivery
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