National-Bank API Access & Open Banking Integration

National-Bank (BIC NBAGDE3EXXX) is an independent regional bank based in Essen, and open-banking.io gives you a certificate-free way to reach its account data. Instead of chasing PSD2 sandbox credentials or eIDAS certificates, you link both business and personal National-Bank accounts through a single dashboard, then read them however you like. Every figure that reaches you is decrypted on your own device with a key nobody else holds.

How to connect National-Bank

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in linking a bank.

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your device at that moment.
  2. In the dashboard, search for National-Bank and choose the account type you want to link — business or personal.
  3. You are redirected to National-Bank's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials stay with the bank.
  4. Once approved, your accounts and transactions sync back into your open-banking.io dashboard. Consent lasts up to 180 days, after which you simply re-approve.

Access your data

Reading National-Bank data programmatically is an optional step you take after the connection exists. 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key. Note that the CLI and SDK only read or refresh connections you already made in the dashboard — they never create one.

Because open-banking.io is zero-knowledge, its servers store only your public key. An API key on its own returns ciphertext; without your private key it stays unreadable. All of this runs for around EUR 3 per month.

Do I need an eIDAS certificate for National-Bank?

No. open-banking.io handles the regulated connection, so you never register for certificates or a TPP licence yourself.

Can open-banking.io see my National-Bank balances?

No. Data is encrypted with keys generated on your device. The service holds only your public key and can never decrypt your accounts.

How long does National-Bank access stay active?

Up to 180 days per PSD2 consent. When it expires, reconnect through the dashboard to keep syncing business or personal accounts.

Start linking National-Bank at open-banking.io.