Aktivbank Open Banking & API Access via open-banking.io

Want programmatic, privacy-first access to your Aktivbank accounts? open-banking.io lets you link Aktivbank (BIC AKBADES1XXX) and read balances and transactions without certificates, eIDAS licences, or a custom PSD2 integration. Both business and personal Aktivbank accounts are supported, and your financial data is only ever decrypted on your own device with a key that never leaves it.

How to connect Aktivbank

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 open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally on your device, so nobody else can reconstruct them.
  2. In the dashboard, search for Aktivbank and choose the account type you want to link — business or personal.
  3. You are redirected to Aktivbank's own secure login, where you approve access under PSD2 consent. open-banking.io never sees your banking credentials.
  4. Your approved accounts sync back into the dashboard. A single consent lasts up to 180 days, after which you simply re-approve on Aktivbank's screen.

Access your data

Once Aktivbank is connected, developers can optionally pull the data programmatically. On the Developers page, create an API key and export a credentials.json — this bundles your 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 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 never create one.

Because open-banking.io is zero-knowledge, its servers hold only your public key and store your account data as ciphertext they cannot read. All of this runs for around EUR 3/month, with no certificate management or bank-by-bank licensing on your side.

Do I need a PSD2 licence to access Aktivbank?

No. open-banking.io handles the regulated connection; you just approve consent on Aktivbank's login screen.

Can open-banking.io read my Aktivbank transactions?

No. Data is encrypted with a key only you hold and decrypted on your device — the service stores only ciphertext and your public key.

Is the API key enough to read my data?

No. An API key alone returns encrypted data. You also need the private key in your credentials.json to decrypt it locally.

Ready to start? Visit open-banking.io.