Bank11 Open Banking & API Access | open-banking.io

Bank11 (Bank11 für Privatkunden und Handel GmbH) is a Neuss-based specialist in automotive and consumer finance. If you want a clean, ongoing view of your Bank11 accounts — or a programmatic feed for your own tooling — open-banking.io lets you reach that data under PSD2 without certificates, custom integrations, or handing anyone the keys to your finances.

open-banking.io is a zero-knowledge service covering 2,600+ banks across the EU and UK for roughly EUR 3 per month. Your data is encrypted with keys generated on your own device, so it is decrypted locally and never in a form the service can read.

How to connect Bank11

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 keys are generated locally, on your device.
  2. In the dashboard, choose Bank11 and select the account type you hold — both business and personal accounts are supported (BIC WEFZDED1XXX).
  3. You are redirected to Bank11's own secure login, where you approve access on the bank's consent screen. This is standard PSD2 authorisation, valid for up to 180 days before you re-confirm.
  4. Your Bank11 accounts and transactions then sync straight into your dashboard.

Access your data

Reading the data programmatically is an optional step you take only after the connection above exists. 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key an API key returns only ciphertext — and the CLI and SDK read existing connections; they never create them.

FAQ

Does open-banking.io ever see my Bank11 login or data?

No. You authenticate on Bank11's own consent page, and everything syncing back is decrypted only on your device. The service holds just your public key.

How long does my Bank11 connection stay active?

PSD2 consent lasts up to 180 days for Bank11, after which you simply re-approve on the bank's screen.

Can I connect Bank11 with just an API key?

No. Connections are made in the dashboard by approving consent at Bank11. API keys and the CLI only read data that is already connected.

Ready to start? Visit open-banking.io.