ING Germany API Access & Open Banking Integration

ING is one of Germany's largest direct banks, and open-banking.io gives you a clean, standards-based way to reach your ING account data without wrestling with PSD2 certificates or a developer sandbox. Everything is decrypted locally with a key only you hold, so your statements, balances and transactions never sit readable on anyone else's server. Both business and personal ING accounts (BIC INGDDEFFXXX) are supported.

How to connect ING

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code snippet 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, so only you can later unlock the data.
  2. In the dashboard, pick ING (Germany) from the bank list and choose your account type — business or personal.
  3. You are redirected to ING's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials go only to ING, never to open-banking.io.
  4. Once approved, your ING accounts sync into your dashboard. A single consent stays valid for up to 180 days, after which you simply re-approve on ING's screen.

Access your data

Reading ING data programmatically is an optional step for developers, taken 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries your key in the X-Api-Key header, and every response is decrypted locally on your machine. The CLI and SDK only read and sync connections you already made in the dashboard — they cannot create one.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key alone returns ciphertext; without your private key it stays unreadable. The service is certificate-free and costs roughly EUR 3/month across 2,600+ European banks.

FAQ

Can I connect ING using only an API key?

No. ING is connected in the dashboard by approving access on ING's own login. API keys and credentials.json only let you read data afterward.

Does open-banking.io see my ING transactions?

No. Data is decrypted locally with your key. The servers store only encrypted data and your public key.

How long does ING access last?

Up to 180 days per consent. When it expires, re-approve on ING's consent screen to keep syncing.

Get started at open-banking.io.