Access MERKUR PRIVATBANK Data: Open Banking API

Reading your MERKUR PRIVATBANK account data — balances, transactions, statements — no longer means wrestling with eIDAS certificates or a bank-hosted developer portal. open-banking.io gives you PSD2 access to MERKUR PRIVATBANK (BIC GENODEF1M06) for both business and personal accounts, and it does so under a zero-knowledge design: your data is decrypted only on your own device, with a key that never leaves it. The service covers 2,600+ EU and UK banks for roughly EUR 3/month, certificate-free.

How to connect MERKUR PRIVATBANK

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 key pair is generated locally on your device; open-banking.io only ever stores your public key.
  2. In the dashboard, search for and select MERKUR PRIVATBANK, then choose the account type — business or personal.
  3. You are redirected to MERKUR PRIVATBANK's own secure login and consent screen, where you approve access directly with the bank.
  4. Your approved accounts sync back into your dashboard. MERKUR PRIVATBANK allows a consent lifetime of up to 180 days, after which you simply re-approve.

Because approval takes place on the bank's own screen, your credentials are never seen by open-banking.io.

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 together with your private decryption key. From there:

  • Use the CLI: openbanking accounts, openbanking transactions, openbanking sync.
  • Or call the REST API / an SDK, sending your key in the X-Api-Key header.

Every response arrives encrypted and is decrypted locally with your private key. Note the CLI and SDK only read and sync connections that already exist — there is no connect command, and an API key alone returns only ciphertext without your private key.

FAQ

Do I need a certificate or bank agreement?

No. open-banking.io is certificate-free. You only need a MERKUR PRIVATBANK account you can log into and a dashboard connection.

Can open-banking.io read my MERKUR PRIVATBANK data?

No. It holds only your public key, so the servers store ciphertext they cannot decrypt. Only your device holds the private key.

Does connecting require writing code?

No. Connecting is a point-and-click dashboard flow. Code (CLI/SDK/API) is an optional later step for reading data.

Start at open-banking.io.