Connect BBVA Germany — Open Banking & API Access

Pulling account and transaction data from BBVA in Germany usually means wrestling with PSD2 certificates and sandbox onboarding. open-banking.io removes that hurdle: it connects to BBVA (BIC BBVADEFFXXX) on your behalf, so you can reach both business and personal accounts without registering as a licensed third party. Everything you see is decrypted on your own device with a key that never leaves it.

How to connect BBVA

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

  1. Sign up for open-banking.io and set an encryption passphrase. Your key pair is generated locally, so only you can later unlock the data.
  2. Open the dashboard and choose BBVA (Germany) from the bank list, then pick the account type you want to link — business or personal.
  3. You're redirected to BBVA's own secure login, where you approve access on the bank's PSD2 consent screen. open-banking.io never sees your banking credentials.
  4. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on BBVA's screen.

Access your data

Once BBVA is connected, developers can optionally read 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 sends your key in the X-Api-Key header, and every response is decrypted locally with your private key. The API key alone only ever returns ciphertext — without your key, the payload stays unreadable. There's no connect command: the CLI and SDK read and sync connections you already made in the dashboard.

Because open-banking.io is zero-knowledge, its servers hold only your public key and can never read or decrypt your BBVA data. No eIDAS certificate, no TPP licence — just a flat subscription of about EUR 3/month.

Does open-banking.io store my BBVA password?

No. You authenticate directly on BBVA's login and consent screens; open-banking.io only receives the access your bank grants.

Can I access business and personal BBVA accounts?

Yes. Both account types are supported — pick whichever you need when connecting in the dashboard.

How long does access stay active?

Up to 180 days per consent, in line with PSD2. Renew by re-approving on BBVA's consent screen.

Ready to start? Head to open-banking.io and connect BBVA in minutes.