PSD Bank Rhein-Ruhr API Access & Open Banking

Reaching account data at PSD Bank Rhein-Ruhr no longer means wrestling with PSD2 certificates or bespoke bank integrations. open-banking.io gives you a single, privacy-first path to your PSD Bank Rhein-Ruhr balances and transactions — covering both business and personal accounts — while keeping the decryption key entirely in your hands. The bank is identified by BIC GENODEF1P05, and every consent you grant lasts up to 180 days before a quick renewal.

Because the service is zero-knowledge, open-banking.io only ever stores your public key. Your data is encrypted the moment it arrives and can only be read back on a device that holds your private key. No eIDAS certificate, no compliance paperwork, no shared secrets on a server somewhere.

How to connect PSD Bank Rhein-Ruhr

Connecting happens in the open-banking.io dashboard — there is no API call or code involved in this step:

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device.
  2. In the dashboard, choose PSD Bank Rhein-Ruhr and select the account type you need — business or personal.
  3. You are redirected to PSD Bank Rhein-Ruhr's own secure login and consent screen, where you approve access directly with the bank.
  4. Once approved, your accounts sync back into the open-banking.io dashboard, ready to view.

That approval is the real PSD2 handshake: you authenticate with PSD Bank Rhein-Ruhr, not with a third party pretending to be you.

Access your data

If you want to work with the data programmatically, that comes after a connection exists. Open the Developers page, create an API key, and export a credentials.json bundle — it pairs the API key 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 carry the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own returns only ciphertext, which is exactly the point.

All of this runs at around EUR 3 per month.

Do I need a PSD2 certificate for PSD Bank Rhein-Ruhr?

No. open-banking.io is certificate-free; you approve access on the bank's consent screen and nothing else is required from you.

Can open-banking.io read my PSD Bank Rhein-Ruhr transactions?

No. The platform holds only your public key, so stored data stays encrypted. Decryption happens locally with a key only you possess.

How long does access last?

Each PSD Bank Rhein-Ruhr consent is valid for up to 180 days. When it expires, you re-approve in the dashboard to keep syncing.

Start at open-banking.io.