Oberbank API Access & Open Banking Integration

Oberbank AG is an Austrian bank serving customers across Central Europe, and open-banking.io lets you reach your Oberbank accounts through a single, privacy-first connection. Instead of juggling bank certificates or building a bespoke PSD2 stack, you get read access to balances and transactions that only you can decrypt — your keys never leave your device.

open-banking.io is a zero-knowledge, certificate-free service covering 2,600+ EU and UK banks for roughly EUR 3 per month. Oberbank (BIC OBKLAT2LXXX) is fully supported for both business and personal accounts, with PSD2 consent lasting up to 180 days before you re-approve.

How to connect Oberbank

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 an encryption passphrase. Your key pair is generated locally on your own device; the service only ever holds your public key.
  2. In the dashboard, choose Oberbank and select the account type you want to link — business or personal.
  3. You are redirected to Oberbank's own secure login, where you approve access on the bank's official PSD2 consent screen.
  4. Once approved, your Oberbank accounts sync back into your dashboard, ready to view.

Access your data

Reading your data programmatically is an optional developer step you take after the connection above already exists. Open 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, use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. Note there is no connect command — the tooling only reads and syncs connections you already made in the dashboard.

Does open-banking.io see my Oberbank data?

No. It is zero-knowledge: your data is encrypted with a key only you hold. An API key alone returns ciphertext — without your private key it cannot be read.

Do I need an eIDAS certificate for Oberbank?

No. open-banking.io is certificate-free, so you skip the usual PSD2 certificate setup entirely.

How long does Oberbank access last?

Oberbank consent is valid for up to 180 days. After that you simply re-approve on the bank's consent screen from your dashboard.

Ready to reach your Oberbank accounts? Get started at open-banking.io.