ING Wholesale Banking Germany API & Open Banking

Corporate treasurers and finance teams working with ING Wholesale Banking (Germany) can pull their business account data into one place with open-banking.io — an EU/UK open-banking service covering 2,600+ banks. There is no certificate to obtain and no eIDAS licence to hold: everything runs through a hosted dashboard, and your account data is decrypted locally with a key only you control.

ING Wholesale Banking operates under BIC INGBDEFFXXX and exposes business accounts through PSD2. Consent lasts up to 180 days before you re-approve, which keeps long-running corporate integrations stable between renewals.

How to connect ING Wholesale Banking

Connecting happens entirely inside the open-banking.io dashboard — no code, no API key, no developer redirect.

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated on your own device, so nobody else — not even open-banking.io — can read what you sync.
  2. In the dashboard, search for ING Wholesale Banking (Germany) and choose the business account type.
  3. You're redirected to ING Wholesale Banking's own secure login to approve access under PSD2. You authenticate directly with the bank; open-banking.io never sees your credentials.
  4. Once you confirm consent, your accounts and transactions sync back into your dashboard, ready to view.

That's the whole flow. The dashboard is the only place a bank connection is created.

Access your data

After ING Wholesale Banking is connected, developers can optionally read the data 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, the data stays unreadable. The CLI and SDK read and sync connections you've already made in the dashboard; they don't create new ones.

At roughly EUR 3/month, it's a low-cost way to keep ING Wholesale Banking data flowing into your own tooling while staying zero-knowledge and certificate-free.

Is my ING Wholesale Banking data private?

Yes. open-banking.io holds only your public key and stores ciphertext. Decryption happens on your device, so the service can never read your accounts.

Do I need a PSD2 certificate or licence?

No. Access is certificate-free — you approve consent on ING Wholesale Banking's own login screen and open-banking.io handles the connectivity.

How often do I re-authorise?

ING Wholesale Banking consent lasts up to 180 days. After that you re-approve through the same dashboard flow.

Start at open-banking.io.