Onstmettinger Bank API Access & Open Banking Data

Onstmettinger Bank eG serves the Albstadt-Onstmettingen area as a member of the German Volksbanken Raiffeisenbanken network, and its accounts are reachable through open-banking.io — a certificate-free gateway to 2,600+ EU and UK banks. Instead of chasing a PSD2 licence or juggling QWAC certificates, you link Onstmettinger Bank once and read balances and transactions through one consistent interface. Under BIC GENODES1ONS the service covers both business and personal accounts, and each authorisation stays valid for up to 180 days before Onstmettinger Bank asks you to renew it.

The defining trait is zero-knowledge design: encryption keys are generated on your own device, so open-banking.io only ever holds your public key. Statements and transaction records are decrypted locally, on hardware you control — the platform's servers never see your cleartext data.

How to connect Onstmettinger Bank

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

  1. Sign up for an account and set your encryption passphrase; your key pair is created right there on your device.
  2. In the dashboard, search for Onstmettinger Bank and choose the account type you need — business or personal.
  3. You're redirected to Onstmettinger Bank's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into the dashboard, ready to view and export.

Access your data

Reading the data programmatically is an optional step you take after the connection exists. Open the Developers page, create an API key, and export a credentials.json file — it bundles the API key together with your private decryption key. From there the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API all work the same way: each request carries the X-Api-Key header, and every response is decrypted locally with your own key. Hold the API key alone and you get only ciphertext — the private key never leaves your machine. There is no connect command; the tooling reads and syncs the link you already approved in the dashboard.

All of this runs for roughly EUR 3 per month.

Do I need a certificate to use Onstmettinger Bank's API?

No. open-banking.io is certificate-free — no eIDAS or QWAC setup is required on your side.

Which Onstmettinger Bank accounts are supported?

Both business and personal accounts under BIC GENODES1ONS.

How long does one authorisation last?

Up to 180 days, after which you re-approve access on Onstmettinger Bank's consent screen.

Start at open-banking.io.