Openbank Germany API Access & Open Banking Data

Openbank is Santander's fully digital bank, and its German arm (BIC OPENESMMXXX) serves both everyday customers and companies. If you want your Openbank balances and transactions in one place — or piped into your own scripts — open-banking.io gives you a single, privacy-first route to that data covering 2,600+ European banks.

The difference sits in the cryptography. Your encryption keys are generated on your own device from a passphrase you choose, and every figure that reaches you is decrypted locally. open-banking.io is zero-knowledge and certificate-free: the service never holds an eIDAS certificate on your behalf and stores only your public key, so it can never read or decrypt your Openbank data.

How to connect Openbank

Connecting happens entirely in 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 private key is created right there on your device.
  2. In the dashboard, choose Openbank and pick the account type you hold — business or personal.
  3. You're redirected to Openbank's own secure login, where you approve access under PSD2 (this consent lasts up to 180 days before you renew it).
  4. Your Openbank accounts sync back into the dashboard, ready to view.

Because approval happens on Openbank's own screen, your banking credentials are only ever entered at the bank — never with us.

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 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. Without that private key, an API key alone returns nothing but ciphertext. Note the CLI and SDK only read and sync connections you've already made in the dashboard — there's no connect command.

All of this runs from around EUR 3 per month, with no per-bank or certificate fees.

Is my Openbank login shared with open-banking.io?

No. You authenticate directly on Openbank's own consent page. open-banking.io never sees your bank credentials.

Can I use Openbank for a business account?

Yes. Both business and personal Openbank Germany accounts are supported, selected when you connect in the dashboard.

How often do I need to reconnect?

PSD2 consent for Openbank runs up to 180 days. After that you re-approve access on the bank's screen to keep data syncing.

Ready to start? Head to open-banking.io and connect your Openbank account.