Consors Finanz API Access & Open Banking Germany

Consors Finanz is a German consumer-finance bank (part of the BNP Paribas group) offering credit cards, loans, and current accounts. If you want to pull your Consors Finanz balances and transactions into your own tools, open-banking.io gives you PSD2 access without certificates, eIDAS registration, or a bank-specific integration project.

open-banking.io connects to 2,600+ European banks and keeps everything private by design: your data is encrypted and only ever decrypted on your own device with a key nobody else holds — not even open-banking.io. That makes it a clean fit for reading Consors Finanz business and personal accounts (BIC WKVBDEM1XXX).

How to connect Consors Finanz

Connecting happens entirely inside 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 your encryption passphrase. Your key pair is generated locally on your device; the server only ever sees your public key.
  2. In the dashboard, search for Consors Finanz and choose the account type you need — business or personal.
  3. You are redirected to Consors Finanz's own secure login to approve access under PSD2. You authenticate directly with the bank; open-banking.io never sees your credentials.
  4. Once you approve, your accounts sync back into the dashboard. A single consent stays valid for up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

After the connection exists, developers can optionally read it programmatically. 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, 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 there is nothing readable, which is what makes the whole service zero-knowledge.

All of this runs at roughly EUR 3/month, with no certificate costs or onboarding fees.

Do I need an eIDAS certificate for Consors Finanz?

No. open-banking.io is certificate-free — you approve access directly on the Consors Finanz consent screen.

Can open-banking.io read my Consors Finanz data?

No. It stores only your public key. Data is decrypted on your device, so the servers only hold ciphertext.

Up to 180 days per approval. When it expires, re-authorize on the bank's own login page.

Ready to start? Visit open-banking.io.