EthikBank API Access & Open Banking Data Export

Germany's EthikBank is a values-driven cooperative bank, and open-banking.io lets you reach its account data without certificates, TPP licences, or hosted secrets. Where most aggregators keep a copy of your finances on their servers, open-banking.io is zero-knowledge: your encryption keys are generated on your own device, and every balance and transaction is decrypted locally. EthikBank supports both business and personal accounts under BIC GENODEF1ETK, with consent lasting up to 180 days before you re-approve.

How to connect EthikBank

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 your encryption passphrase. The keys derived from it never leave your device.
2. In the dashboard, choose EthikBank and select whether you are linking a business or personal account.
3. You are redirected to EthikBank's own secure login, where you approve access on the bank's PSD2 consent screen — open-banking.io never sees your credentials.
4. Your approved accounts sync back into the dashboard, ready to view. The consent stays valid for up to 180 days.

Access your data

Reading EthikBank data programmatically is an optional step you take only after the connection above exists. 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 directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The key point: the API key alone returns only ciphertext, because open-banking.io's servers hold just your public key and can never read your data.

At around EUR 3 a month, this replaces the usual certificate-and-onboarding overhead of PSD2 access with a flat, predictable subscription.

FAQ

Do I connect EthikBank with an API key?

No. Connecting is done in the dashboard by approving access on EthikBank's own login screen. API keys only come later, for optionally reading data you have already linked.

Can the CLI link my EthikBank account?

No. The CLI and SDKs only read and sync existing connections — there is no connect command. The bank link must be created in the dashboard first.

Can open-banking.io staff see my EthikBank balances?

No. The service is zero-knowledge and stores only your public key. Decryption happens on your device with a private key that never leaves it.

Ready to begin? Start at open-banking.io.