PSD Bank München Open Banking & API Access Guide

Bringing your PSD Bank München accounts into a single, private workspace no longer means wrestling with bank APIs or PSD2 certificates. open-banking.io links to PSD Bank München (BIC GENODEF1P14) as one of 2,600+ EU and UK institutions, and every balance and transaction that arrives is decrypted on your own device with a key nobody else holds — not even open-banking.io, which stores only your public key. Both business and personal account types are supported, and a single consent stays valid for up to 180 days before you renew it.

How to connect PSD Bank München

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

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your cryptographic keys are generated locally on your device, so the passphrase never leaves your machine.
  3. In the dashboard, search for PSD Bank München and choose whether you're linking a business or personal account.
  4. You're redirected to PSD Bank München's own secure login, where you approve access on the bank's PSD2 consent screen.
  5. Your accounts sync back into the dashboard, ready to view.

Because approval takes place on the bank's own page, your credentials are only ever entered at PSD Bank München — open-banking.io never sees them.

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 file, which bundles that 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. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key — the API key alone only ever returns ciphertext. The CLI and SDK read and sync existing connections; they don't create them.

At roughly EUR 3/month, you get certificate-free, zero-knowledge access without maintaining any bank integration yourself.

Is my PSD Bank München data readable by open-banking.io?

No. The service is zero-knowledge and holds only your public key. Decryption happens on your device with a private key only you possess.

Can I connect PSD Bank München with the CLI?

No. Connecting is a dashboard-only flow with bank-side consent. The CLI and SDK only read or sync connections you've already approved.

Up to 180 days for PSD Bank München, after which you re-approve on the bank's consent screen.

Start at open-banking.io.