Access BTV (Austria) Data — Open Banking & API

Want a single, private place to see your BTV accounts and pull the data into your own tools? open-banking.io links to BTV — Bank für Tirol und Vorarlberg (BIC BTVAAT22) through regulated PSD2 access, so you can view balances and transactions for both personal and business accounts without wrestling with bank certificates or eIDAS setup.

The service is zero-knowledge and certificate-free. When you sign up you set an encryption passphrase, and your keys are generated on your own device. open-banking.io only ever holds your public key, so its servers can never read or decrypt what flows through — your BTV data is only ever legible on hardware you control. All of this runs for roughly EUR 3/month, covering 2,600+ EU and UK banks.

How to connect BTV

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

  1. Sign up and set your encryption passphrase (your keys are created locally, on your device).
  2. In the dashboard, pick BTV and choose the account type — personal or business.
  3. You're redirected to BTV's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into your dashboard, ready to view.

BTV grants consent for up to 180 days, after which you simply re-approve on BTV's screen to keep the connection live.

Access your data

Programmatic access is an optional step after your BTV connection exists. 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.

Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. Note the two halves: an API key alone only returns ciphertext — without the private key in your credentials.json, the payload stays unreadable. The CLI and SDK only read and sync BTV connections you've already approved; they never establish the connection itself.

Does open-banking.io need a bank certificate for BTV?

No. Access is certificate-free — you approve consent directly on BTV's login screen, with nothing to install or register.

Can open-banking.io staff see my BTV transactions?

No. It's zero-knowledge: the servers hold only your public key, so data is decrypted solely on your own device.

How long does BTV access last before renewal?

Up to 180 days per consent, then you re-approve on BTV's own screen.

Ready to start? Head to open-banking.io.