Harzer Volksbank API Access & Open Banking Data

Harzer Volksbank is a cooperative bank rooted in the Harz region, and open-banking.io gives you a certificate-free way to reach its account data under PSD2. Whether you hold a business or a personal account (both are supported), you can pull balances and transactions into one dashboard — and later read them programmatically — without ever handing your credentials or your data to a third party in readable form. Everything is decrypted on your own device with a key only you possess.

How to connect Harzer Volksbank

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, so only your public key ever leaves your device.
  2. In the dashboard, search for Harzer Volksbank (BIC GENODEF1QLB) and choose the account type you want to link — business or personal.
  3. You are redirected to Harzer Volksbank's own secure login, where you approve access on the bank's official PSD2 consent screen.
  4. Your accounts sync straight back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve to keep the sync alive.

Access your data

Once a connection exists, developers can optionally read it in code. 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. The CLI and SDK only read or refresh connections that already exist — there is no connect command, because linking a bank always happens in the dashboard.

Because open-banking.io is zero-knowledge, its servers store only your public key and can never read your Harzer Volksbank data. An API key on its own returns nothing but ciphertext until your private key unlocks it. Access to 2,600+ EU/UK banks costs around EUR 3/month.

Does open-banking.io see my Harzer Volksbank data?

No. It holds only your public key. All decryption runs on your device, so the service only ever handles ciphertext.

Do I need a certificate or bank API key?

No. There are no eIDAS certificates and no developer keys at the bank. You approve access directly on Harzer Volksbank's consent screen.

How long does access last?

Up to 180 days per consent. When it expires, re-approve in the dashboard to resume syncing.

Get started at open-banking.io.