Access Münchner Bank Data — API & Open Banking

Münchner Bank eG is one of Bavaria's largest cooperative banks, and its business and personal customers can now reach their account and transaction data through open-banking.io — a certificate-free, PSD2-compliant service covering 2,600+ European banks. There is no TPP licence to obtain and no eIDAS certificate to install: you link Münchner Bank (BIC GENODEF1M01) in a few clicks and your data stays encrypted under a key only you hold.

Because open-banking.io is zero-knowledge, its servers never see your Münchner Bank credentials or your decrypted balances. Encryption keys are generated on your own device from a passphrase you set, so what reaches the platform is ciphertext plus your public key — nothing that could be read on the server side.

How to connect Münchner Bank

Connecting happens entirely in the open-banking.io dashboard — not through any API call, code, or key:

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is created locally, on your device.
  2. In the dashboard, search for and select Münchner Bank, then choose the account type you want to link — business or personal.
  3. You are redirected to Münchner Bank's own secure login, where you approve the PSD2 access request on the bank's consent screen.
  4. Your accounts sync back into the open-banking.io dashboard, ready to view. Consent lasts up to 180 days, after which you simply re-approve on Münchner Bank's page.

Access your data

Once a connection exists, developers can optionally read it programmatically. On the Developers page, create an API key and export a credentials.json — it 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 that already exist — the bank link itself is always made in the dashboard.

All of this runs on the flat ~EUR 3/month plan, with no per-call or per-bank fees.

Do I need a certificate or licence for Münchner Bank?

No. open-banking.io is certificate-free — no eIDAS certificate and no TPP registration are required to access Münchner Bank.

Can open-banking.io read my Münchner Bank data?

No. It is zero-knowledge and stores only your public key. An API key alone returns ciphertext; without your private key the data cannot be read.

Which Münchner Bank accounts are supported?

Both business and personal accounts, with consent valid for up to 180 days before renewal.

Start linking Münchner Bank at open-banking.io.