MUFG Bank Germany API Access & Open Banking Data

Pulling account data out of MUFG Bank (Germany) usually means TPP licensing, eIDAS certificates and a PSD2 test harness. open-banking.io removes all of that. It is a certificate-free, zero-knowledge bridge to 2,600+ EU and UK banks, so you can reach your MUFG Bank balances and transactions without registering as a regulated third party. MUFG Bank (Germany) is identified by BIC BOTKDEDXXXX, supports both business and personal accounts, and grants access consent for up to 180 days before a refresh is needed.

Everything runs through your open-banking.io dashboard, and your data is only ever readable on your own device — the service holds nothing but your public key.

How to connect MUFG Bank

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

  1. Sign up at open-banking.io and set an encryption passphrase. Your key pair is generated locally, on your device.
  2. In the dashboard, search for MUFG Bank (Germany) and choose the account type you want to link (business or personal).
  3. You are redirected to MUFG Bank's own secure login, where you approve access under PSD2 — your credentials only ever touch the bank.
  4. Once approved, your accounts sync back into your dashboard, ready to view for the length of the 180-day consent.

Access your data

Reading MUFG Bank data programmatically is an optional developer step you take after connecting. 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. Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. An API key on its own only ever returns ciphertext, which is what keeps the model zero-knowledge.

All of this costs around EUR 3/month, with no certificates and no TPP paperwork.

Do I need a PSD2 licence to use this?

No. You approve access yourself on MUFG Bank's consent screen, so no third-party licence or eIDAS certificate is required.

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

No. It stores only your public key. Decryption happens on your device with a private key that never leaves it.

How often do I re-authorise?

MUFG Bank grants consent for up to 180 days; after that you simply re-approve from the dashboard to keep syncing.

Start at open-banking.io.