Genossenschaftsbank München Open Banking API Access

Reaching account data at Genossenschaftsbank München eG usually means wrestling with PSD2 paperwork, eIDAS certificates and a sandbox that behaves nothing like production. open-banking.io removes all of that. It gives you a single, unified way to read balances and transactions from Genossenschaftsbank München (BIC GENODEF1M07) alongside 2,600+ other EU and UK banks — with one crucial difference: your data is decrypted locally, using an encryption key that only you hold. open-banking.io's servers keep your public key and nothing else, so no operator, and no attacker who breaches them, can read your statements.

Both business and personal accounts at Genossenschaftsbank München are supported, and a single approval grants read access for up to 180 days before you re-confirm.

How to connect Genossenschaftsbank München

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 keys are generated on your own device; the passphrase never leaves it.
  2. In the dashboard, search for Genossenschaftsbank München and choose the account type you want to link (business or personal).
  3. You're redirected to Genossenschaftsbank München's own secure login, where you authenticate and approve access on the bank's PSD2 consent screen.
  4. Control returns to your dashboard and your accounts begin syncing. Balances and transactions appear ready to browse.

That's the whole flow — you authorise the bank directly, and open-banking.io only ever receives data it cannot decrypt.

Access your data

Once a connection exists, developers can optionally read it programmatically. On 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your key. An API key on its own only ever returns ciphertext — without your private key it stays unreadable. The CLI and SDK read and sync existing connections; they never create one.

All of this runs for roughly EUR 3/month, with no certificates to buy or renew.

Do I need an eIDAS certificate for Genossenschaftsbank München?

No. open-banking.io is certificate-free — you approve access on the bank's own consent screen.

Can open-banking.io read my Genossenschaftsbank München data?

No. It's zero-knowledge: only your public key is stored, and decryption happens on your device.

Up to 180 days, after which you re-approve access with Genossenschaftsbank München.

Start at open-banking.io.