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

Deutsche Bundesbank is Germany's central bank, and reaching its account data through a standards-based open-banking channel used to mean juggling eIDAS certificates and PSD2 registration. open-banking.io removes that overhead. You get read access to Bundesbank business and personal accounts through a single dashboard, with every figure decrypted on your own device using a key that never leaves it.

Because the service is certificate-free, there is nothing to provision, renew, or store on a server. You sign up, connect Bundesbank, and your balances and transactions appear — encrypted end to end so that open-banking.io itself only ever holds your public key.

How to connect Bundesbank

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

  1. Create an open-banking.io account and set an encryption passphrase. Your keys are generated locally on your device from that passphrase.
  2. In the dashboard, search for Bundesbank (BIC MARKDEFFXXX) and choose the account type you need — business or personal.
  3. You are redirected to Bundesbank's own secure login, where you approve access under PSD2. Consent lasts up to 180 days, after which you simply re-approve.
  4. Your selected accounts sync back into the dashboard, ready to view.

At no point does open-banking.io ask for your banking credentials — you authenticate directly with Bundesbank.

Access your data

Programmatic access is an optional step after the connection exists. On the Developers page, create an API key and export a credentials.json file — this bundles the API key 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.

Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your private key. An API key on its own returns only ciphertext, which is what keeps the model zero-knowledge. The CLI and SDK read and sync existing connections — they never create one.

FAQ

Do I need an eIDAS certificate for Bundesbank?

No. open-banking.io is certificate-free. You approve access on Bundesbank's consent screen, with no PSD2 certificate to obtain or maintain.

Can open-banking.io see my Bundesbank data?

No. Data is encrypted with a key derived on your device. The service stores only your public key and can never read your balances or transactions.

What does it cost?

Access is around EUR 3/month, covering both business and personal Bundesbank accounts along with 2,600+ other EU/UK banks.

Ready to start? Visit open-banking.io.