Bensberger Bank API Access & Open Banking Data

Reaching your Bensberger Bank eG accounts from your own software usually means TPP licences, eIDAS certificates and a mountain of PSD2 paperwork. open-banking.io removes all of it. As a zero-knowledge, certificate-free gateway spanning 2,600+ EU and UK banks, it lets you link Bensberger Bank (BIC GENODED1BGL) and read balances and transactions with a key that never leaves your device. The cooperative bank in Bergisch Gladbach-Bensberg supports both business and personal accounts, and open-banking.io covers both.

How to connect Bensberger 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 at open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device, so only you can ever decrypt your data.
  2. In the dashboard, pick Bensberger Bank and choose the account type (business or personal).
  3. You are redirected to Bensberger Bank's own secure login, where you approve access under PSD2. Consent lasts up to 180 days, after which you simply re-approve.
  4. Your accounts sync back into the dashboard, ready to view.

Because you authorise directly on the bank's screen, your credentials are never seen by open-banking.io.

Access your data

Once Bensberger Bank is connected, developers can optionally read the data programmatically. Open 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.
  • Or call the REST API / an SDK, passing your key in the X-Api-Key header.

Every response is ciphertext until it is decrypted locally with your own key. open-banking.io's servers hold only your public key, so they can never read your financial data — an API key alone returns nothing readable. The CLI and SDK only read and sync existing connections; they never connect a bank.

All of this runs for roughly EUR 3/month, with no certificate fees and no per-transaction charges.

FAQ

Does open-banking.io store my Bensberger Bank login?

No. You authenticate on Bensberger Bank's own consent page, and open-banking.io never receives your banking credentials.

Can I access both business and personal accounts?

Yes. Bensberger Bank supports both, and you select the account type when connecting in the dashboard.

How long does access last before I re-authorise?

Up to 180 days per consent, the PSD2 maximum, after which you renew it from the dashboard.

Start linking Bensberger Bank today at open-banking.io.