Hausbank München API Access & Open Banking

Reaching Hausbank München account data no longer means wrestling with eIDAS certificates or a PSD2 sandbox. open-banking.io links the Munich cooperative bank (BIC GENODEF1M04) to a single dashboard, covering both business and personal accounts. Everything that arrives is encrypted on your own device with a key that never leaves it, so the service itself only ever holds your public key.

How to connect Hausbank München

Connecting happens entirely inside the open-banking.io dashboard — there is no endpoint to call and no API key to paste at this stage.

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated locally, on your machine, from that passphrase.
  3. In the dashboard, search for Hausbank München and choose the account type you want — business or personal.
  4. You are redirected to Hausbank München's own secure login, where you approve access (the PSD2 consent step) directly with the bank.
  5. Your approved accounts sync back into the dashboard and refresh automatically.

Consent runs for up to 180 days, after which you simply re-approve on the bank's screen to keep the connection live.

Access your data

Once Hausbank München is linked, reading the data programmatically is an optional developer step. On the Developers page, create an API key and export a credentials.json — it bundles that 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key, nobody, not even open-banking.io, can read a thing. Note that the CLI and SDK only read and sync connections you already made in the dashboard; there is no connect command.

Is a QWAC or eIDAS certificate required?

No. open-banking.io is certificate-free — you approve access through Hausbank München's standard online-banking login, nothing more.

Can open-banking.io see my transactions?

No. The architecture is zero-knowledge: it stores only your public key, so data is decrypted solely on your device.

What does it cost?

Around EUR 3 per month, with access to 2,600+ banks across the EU and UK included.

Start linking Hausbank München at https://open-banking.io.