vdk bank API Access & Open Banking Integration

Reaching your vdk bank account data used to mean chasing PSD2 certificates and bespoke bank APIs. With open-banking.io you skip all of that: the Ghent-based Belgian bank (BIC VDSPBE91) is one of 2,600+ institutions you can link from a single dashboard, and every balance and transaction is decrypted on your own device with a key that never leaves it.

Because open-banking.io is zero-knowledge and certificate-free, its servers only ever hold your public key. They store your vdk bank data as ciphertext they cannot read — decryption happens locally, under a passphrase only you know.

How to connect vdk bank

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

  1. Sign up for an open-banking.io account.
  2. Set your encryption passphrase. Your key pair is generated right there on your device.
  3. In the dashboard, search for and select vdk bank, then choose the account type you want to link — vdk bank supports both business and personal accounts.
  4. You are redirected to vdk bank's own secure login and consent screen, where you approve access under PSD2. Your credentials go only to the bank.
  5. Once approved, your accounts sync straight into your dashboard.

Your consent stays valid for up to 180 days, after which you simply re-approve on vdk bank's screen to keep the sync alive.

Access your data

Once vdk bank is connected, developers can optionally read the data programmatically. Open the Developers page, create an API key, and export a credentials.json file — this bundles your 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 the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already established in the dashboard — there is no connect command, and an API key alone returns nothing but ciphertext without your private key.

FAQ

Do I need a PSD2 certificate to access vdk bank?

No. open-banking.io is certificate-free. You approve access directly on vdk bank's consent screen — no eIDAS certificate or bank developer registration required.

Can open-banking.io read my vdk bank transactions?

No. The service is zero-knowledge and holds only your public key. Your data is decrypted solely on your device.

What does it cost?

Around EUR 3/month for full access to vdk bank and every other supported institution.

Ready to start? Visit open-banking.io.