LIGA Bank API Access & Open Banking Integration

Reaching your LIGA Bank accounts programmatically no longer means chasing PSD2 certificates or standing up your own TPP infrastructure. open-banking.io gives you read access to LIGA Bank (BIC GENODEF1M05) balances and transactions across both business and personal accounts, with a consent window that lasts up to 180 days before you renew. LIGA Bank, the Regensburg cooperative bank rooted in the Catholic and church sector, is one of 2,600+ EU and UK institutions covered by a single account.

The defining trait here is privacy. open-banking.io is zero-knowledge: your encryption keys are generated on your own device, and the service only ever holds your public key. Bank data is decrypted locally, so no one — not even open-banking.io — can read what syncs from your LIGA Bank account.

How to connect LIGA 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 open-banking.io and set your encryption passphrase. Your keys are created locally, on your device.
  2. In the dashboard, search for and select LIGA Bank, then choose the account type — business or personal.
  3. You are redirected to LIGA Bank's own secure login, where you approve access under PSD2 (up to a 180-day consent).
  4. Your accounts sync back into your dashboard, ready to view.

Access your data

Programmatic access is an optional developer step that comes after connecting. On the Developers page, create an API key and export a credentials.json — this bundles your 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. An API key on its own only returns ciphertext — the private key never leaves your machine.

All of this runs at roughly EUR 3/month, with no eIDAS certificate and no bank-specific onboarding paperwork.

Is a QWAC or PSD2 certificate required?

No. open-banking.io is certificate-free; you approve access directly on LIGA Bank's consent screen.

Can open-banking.io read my LIGA Bank transactions?

No. It is zero-knowledge and holds only your public key. Data is decrypted solely on your device.

Does the CLI connect my bank?

No. The CLI and SDK only read and sync existing connections. Connecting LIGA Bank is done once in the dashboard.

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