Berliner Volksbank API Access & Open Banking

Berliner Volksbank is one of Germany's largest cooperative banks, and open-banking.io gives you a clean, certificate-free route to its account data. Whether you hold a business or personal account (BIC BEVODEBBXXX), you can bring live balances and transactions into one dashboard — and, if you code, read them programmatically afterwards. There is no eIDAS certificate to buy and no bank sandbox to negotiate: everything runs through a single PSD2 consent that you approve yourself.

The design is zero-knowledge from the start. When you sign up you set an encryption passphrase, and your keys are generated locally on your own device. open-banking.io stores only your public key, so its servers can move ciphertext but can never read your Berliner Volksbank data. Decryption happens on your machine, with a key nobody else holds.

How to connect Berliner Volksbank

Connecting happens entirely inside the open-banking.io dashboard — not through any API call, code, or key.

  1. Sign up for open-banking.io and set your encryption passphrase (your keys are created on your device).
  2. In the dashboard, choose Berliner Volksbank and select the account type — business or personal.
  3. You are redirected to Berliner Volksbank's own secure login, where you approve access under PSD2.
  4. Your accounts sync back into the dashboard, ready to view.

The consent you grant 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 a connection exists, developers can optionally read it in code. 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 the CLI (openbanking accounts, openbanking transactions, openbanking sync), the SDKs, or the REST API all work the same way: requests carry 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 there is nothing readable to leak. Note there is no connect command; the tooling reads and syncs connections you already made in the dashboard.

All of this runs at roughly EUR 3/month.

Do I need a certificate or developer account with Berliner Volksbank?

No. Consent is granted on Berliner Volksbank's login screen — no eIDAS certificate or bank onboarding required.

Can open-banking.io read my Berliner Volksbank data?

No. It holds only your public key; decryption happens on your device.

How long does access last?

Up to 180 days per consent, then you re-approve on the bank's own screen.

Start at open-banking.io.