Marcard, Stein & Co Bankiers API Access & Open Banking

Marcard, Stein & Co Bankiers is a Hamburg private bank (BIC MCRDDEHHXXX), and open-banking.io gives you a clean, standards-based way to reach its account data without wrestling with PSD2 certificates or bespoke bank integrations. Whether you hold a business or personal account, you get read access to balances and transactions through one consistent interface — and, crucially, your data stays yours: it is decrypted locally with a key only you hold.

How to connect Marcard, Stein & Co Bankiers

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in this step. Here is the flow:

  1. Sign up for open-banking.io and open the dashboard.
  2. Set an encryption passphrase. Your cryptographic keys are generated on your own device, so the service never sees your private key.
  3. Pick Marcard, Stein & Co Bankiers in the dashboard and choose your account type (business or personal).
  4. Approve on the bank's own screen. You are redirected to Marcard, Stein & Co Bankiers's secure login to grant PSD2 consent directly with the bank.
  5. Accounts sync back into your dashboard, ready to view.

Consent lasts up to 180 days, after which you simply re-approve on the bank's screen to keep the connection live.

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 — this bundles your API key and 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 is no connect command.

Because open-banking.io is zero-knowledge, its servers hold only your public key and can never read or decrypt your Marcard, Stein & Co Bankiers data. No eIDAS certificate, no compliance overhead — all for around EUR 3/month.

Do I need a PSD2 certificate?

No. open-banking.io is certificate-free. You authorise access directly on Marcard, Stein & Co Bankiers's own login screen.

Can open-banking.io see my banking data?

No. Data is encrypted with keys generated on your device. Servers store only your public key, so responses are ciphertext until your private key decrypts them locally.

Is an API key enough to read my transactions?

No. An API key alone returns only ciphertext. Readable data requires your private decryption key from credentials.json.

Start at open-banking.io.