PSD Bank West API Access & Open Banking | open-banking.io

Reaching your PSD Bank West account data no longer requires a bank-issued eIDAS certificate or a PSD2 licence. open-banking.io links to PSD Bank West (BIC GENODEF1P13) and 2,600+ other EU and UK institutions through a single dashboard, and every balance and transaction is decrypted locally with a key only you hold.

Whether you keep a personal current account or run a business relationship with this Düsseldorf-based cooperative bank, the same flow applies. Because the platform is zero-knowledge, open-banking.io stores only your public key — it can never read or decrypt what syncs into your account.

How to connect PSD Bank West

Connecting happens entirely inside 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 keys are generated on your own device.
  2. In the dashboard, search for PSD Bank West and choose your account type — business or personal.
  3. You are redirected to PSD Bank West's own secure login, where you approve access under PSD2 consent. Consent lasts up to 180 days before a refresh is needed.
  4. Your accounts sync into the dashboard, ready to view.

You authenticate only on the bank's official screen — your credentials are never seen by open-banking.io.

Access your data

Once PSD Bank West is connected, developers can optionally read the data programmatically. Open 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key, the data stays unreadable. The CLI and SDK read and sync existing connections only; they never create one.

All of this runs on a flat subscription of about EUR 3/month.

FAQ

Does open-banking.io need a certificate to reach PSD Bank West?

No. The service is certificate-free — you approve access directly on PSD Bank West's consent screen, with no eIDAS certificate on your side.

Can open-banking.io staff see my PSD Bank West transactions?

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

Which PSD Bank West account types are supported?

Both business and personal accounts, each authorised through PSD2 consent valid for up to 180 days.

Ready to begin? Start at open-banking.io.