BTV (Germany) API Access & Open Banking Data

Pulling account and transaction data from BTV (Germany) usually means wrestling with PSD2 certificates, sandbox registrations and eIDAS paperwork. open-banking.io removes all of that. It is a zero-knowledge, certificate-free bridge to 2,600+ EU and UK banks, so you can reach your BTV accounts without ever registering as a licensed provider. Your bank data is encrypted end to end and decrypted only on your own device, using a key that never leaves your hands.

BTV (Germany) is reachable under BIC BTVADE61XXX, and open-banking.io supports both business and personal account types. A single approval grants access for up to 180 days before BTV asks you to renew consent.

How to connect BTV

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code or key involved in this step:

  1. Sign up for an open-banking.io account.
  2. Set your encryption passphrase. Your keys are generated locally on your device, so only you can later decrypt anything.
  3. In the dashboard, choose BTV (Germany) and select whether you are linking a business or personal account.
  4. You are redirected to BTV's own secure login, where you approve access under PSD2 — you authenticate directly with your bank, never with us.
  5. Your accounts sync back into the dashboard, ready to view.

Access your data

Programmatic access is an optional step you take after the bank is connected. 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. Because open-banking.io is zero-knowledge and holds only your public key, an API key alone returns nothing but ciphertext — the readable data materialises only on your machine.

All of this runs for roughly EUR 3/month.

Do I need an eIDAS certificate to access BTV?

No. open-banking.io is certificate-free — you connect BTV through its normal PSD2 consent screen, no provider licence required.

Can open-banking.io read my BTV transactions?

No. The service is zero-knowledge and stores only your public key. Decryption happens on your device with a key only you hold.

Up to 180 days. After that, BTV requires you to re-approve access from the dashboard.

Ready to start? Visit open-banking.io.