Aachener Bank Open Banking & API Access | open-banking.io

Aachener Bank eG is a cooperative bank rooted in the Aachen region, and open-banking.io lets you reach its account data without the certificates, eIDAS hurdles or licence paperwork that PSD2 access usually demands. Whether you run a personal current account or a business relationship at the bank (BIC GENODED1AAC), you can pull balances and transactions into one dashboard and, if you code, read them programmatically. Everything is decrypted on your own device with a key only you hold — open-banking.io stores nothing it can read.

How to connect Aachener Bank

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

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your cryptographic keys are generated locally, on your device, so only you can later unlock your data.
  3. In the dashboard, choose Aachener Bank and select the account type you want to link — business or personal.
  4. You are redirected to Aachener Bank's own secure login, where you approve access under PSD2 consent.
  5. Your accounts sync back into the dashboard, ready to view.

Consent lasts up to 180 days, after which you simply re-approve on the bank's screen to keep the connection live.

Access your data

Once Aachener Bank is connected, developers can optionally read the data programmatically. On 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 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 made in the dashboard — they cannot create one.

An API key on its own returns nothing but ciphertext: without your private key, the data stays unreadable, which is what makes the model genuinely zero-knowledge. At around EUR 3/month for access to 2,600+ EU/UK banks, it is a low-cost way to work with your own financial data.

Do I need an eIDAS certificate for Aachener Bank?

No. open-banking.io is certificate-free — you approve access directly on Aachener Bank's login, with no QWAC or licence required.

Can open-banking.io read my Aachener Bank transactions?

No. The service holds only your public key. All decryption happens on your device, so the servers only ever see ciphertext.

How long does access to Aachener Bank last?

Up to 180 days per consent. When it expires, re-approve on the bank's own screen to continue syncing.

Start at https://open-banking.io.