Comdirect API Access & Open Banking Integration

Comdirect is one of Germany's best-known online banks, and open-banking.io lets you reach its account and transaction data without certificates, eIDAS setup, or a PSD2 licence of your own. You connect once through a guided dashboard flow, and from then on your Comdirect balances and movements stay in sync — ready to read whenever you need them.

open-banking.io covers 2,600+ banks across the EU and UK. It is zero-knowledge: your encryption keys are generated on your own device, and the service only ever holds your public key. Every figure you see is decrypted locally, so no server — not even open-banking.io — can read your Comdirect data.

How to connect Comdirect

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 open-banking.io and set an encryption passphrase. Your private key is created locally at this moment and never leaves your device.
  2. In the dashboard, search for and select Comdirect (BIC COBADEFFXXX).
  3. Choose the account type you want to link — Comdirect supports both business and personal accounts.
  4. You are redirected to Comdirect's own secure login, where you approve access under PSD2 consent. open-banking.io never sees your banking credentials.
  5. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on Comdirect's screen.

Access your data

Once Comdirect is connected, reading the data programmatically is an optional developer step. On the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key.

With that file in place, use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key the data stays unreadable, which is what keeps the whole system zero-knowledge.

All of this runs for around EUR 3/month, with no certificate fees or per-call surcharges.

FAQ

Do I need a PSD2 certificate to access Comdirect?

No. open-banking.io is certificate-free — you approve access directly on Comdirect's login, and the service handles the regulated connection.

Can open-banking.io see my Comdirect transactions?

No. Data is encrypted with a key only you hold and decrypted on your device. The servers store only your public key.

How long does my Comdirect connection stay active?

Up to 180 days per consent. When it expires, re-approve on Comdirect's own screen to keep syncing.

Ready to start? Visit open-banking.io.