Ikano Bank Germany API Access & Open Banking

Reaching your Ikano Bank (Germany) account data no longer means wrestling with eIDAS certificates or a bank sandbox. open-banking.io gives you PSD2 access to Ikano Bank across the EU and UK — one dashboard covering 2,600+ banks — while keeping the security model refreshingly simple. Ikano Bank is identified by BIC PLFGDE5AIKB, and both business and personal account types are supported. Because everything is decrypted locally with a key only you hold, open-banking.io never sees your financial data in the clear.

How to connect Ikano Bank

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 an open-banking.io account.
  2. Set your encryption passphrase. Your key pair is generated on your own device, so only you can later decrypt what syncs in.
  3. In the dashboard, pick Ikano Bank (Germany) and choose the account type — business or personal.
  4. You're redirected to Ikano Bank's own secure login to approve access (standard PSD2 consent). You authenticate directly with the bank; open-banking.io never touches your credentials.
  5. Approve, and your Ikano Bank accounts sync straight into your dashboard.

A single consent stays valid for up to 180 days, after which you simply re-approve on Ikano Bank's screen.

Access your data

Once the connection exists, developers can optionally read it programmatically. 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 and sync connections you already made in the dashboard — there's no connect command.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key alone returns ciphertext; without your private key, the data stays unreadable. No certificates, no bank sandbox — all for around EUR 3/month.

FAQ

Can I connect Ikano Bank with just an API key?

No. Connecting is done in the dashboard by approving access on Ikano Bank's own consent screen. API keys are only for reading data afterward.

Does open-banking.io see my Ikano Bank transactions?

No. Data is decrypted on your device with a key only you hold. The service stores only your public key and encrypted blobs.

How often do I re-authorise?

Ikano Bank consent lasts up to 180 days; then you re-approve directly on the bank's login screen.

Start at https://open-banking.io.