DZ BANK API Access & Open Banking Integration

Reaching DZ BANK account data used to mean chasing eIDAS certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of that. As the central institution of Germany's cooperative banking network, DZ BANK (BIC GENODEFFXXX) serves both business and personal clients — and with open-banking.io you can link either type and pull live balances and transactions without ever touching a certificate authority.

The service is certificate-free and zero-knowledge by design. Your encryption keys are generated on your own device, and open-banking.io's servers only ever hold your public key. That means the platform can route and store your data but can never read it — decryption happens locally, under a passphrase only you know.

How to connect DZ BANK

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your private key is created locally and never leaves your device.
  2. In the dashboard, search for and select DZ BANK, then choose the account type you need — business or personal.
  3. You are redirected to DZ BANK's own secure login, where you approve access under PSD2 consent. Your credentials go straight to the bank, not to us.
  4. Your approved accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on DZ BANK's screen.

Access your data

Once DZ BANK is connected, reading the data programmatically is an optional developer step. Open 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, use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — proof that zero-knowledge holds end to end.

All of this runs for around EUR 3 per month, across 2,600+ supported EU and UK banks.

Do I need a certificate to access DZ BANK?

No. open-banking.io is certificate-free — you never register with a QTSP or manage eIDAS files.

Can open-banking.io see my DZ BANK transactions?

No. The platform stores only your public key; your data is decrypted locally with a key that never leaves your device.

How long does DZ BANK access stay active?

Up to 180 days per consent. When it expires, re-approve access on DZ BANK's own login screen.

Ready to start? Visit open-banking.io.