Openbank API Access in Germany | open-banking.io

Pulling your Openbank data into your own tools no longer means wrestling with raw bank interfaces or juggling security certificates. With open-banking.io you can sync Openbank accounts through a single, consistent API and keep balances and transaction history flowing into whatever app, spreadsheet or accounting system you rely on.

Openbank is a digital bank operating in Germany, and its accounts are reachable through the standard European open-banking rails that open-banking.io speaks natively. That means one integration for Openbank sits alongside the same integration pattern used for 2,600+ other banks across the EU and UK.

How to connect Openbank

1. Create an open-banking.io account and generate your API key.
2. Call the connect endpoint and select Openbank (BIC OPENESMMXXX) from the institution list.
3. Authenticate through Openbank's own login and approve the consent screen.
4. Receive an access token and start reading data immediately.

What data you can access

Once a customer has granted consent, the API exposes:

• Accounts — identifiers and metadata for business and personal accounts.
• Balances — current and available amounts, refreshed on demand.
• Transactions — booked and pending entries with counterparties, amounts and dates.

Consent and coverage

Openbank supports both business and personal account types. A single consent authorisation stays valid for up to 180 days before the account holder needs to re-approve access, giving you a long window of uninterrupted syncing without repeated prompts.

Privacy by design

open-banking.io is built on a zero-knowledge model: your credentials and financial data are never stored or inspected by us. There are no eIDAS or QWAC certificates to buy, install or renew — the certificate-free architecture removes the heaviest part of a traditional PSD2 setup, so you can go live in minutes rather than weeks.

Pricing

Access to Openbank and every other supported institution is a flat subscription of roughly EUR 3 per month. No per-call fees, no tiered surprises, no separate certificate costs.

Is a banking certificate required to connect Openbank?

No. open-banking.io is certificate-free, so you skip the QWAC/QSEAL process entirely and connect with a plain API key.

How long does an Openbank consent last?

Up to 180 days per authorisation. After that, the account holder simply re-confirms access to continue.

Can I connect both business and personal Openbank accounts?

Yes. Openbank exposes business and personal account types, and both are supported through the same endpoints.

Ready to start? Explore the full API and connect Openbank today at open-banking.io.