Santander Germany API Access & Open Banking Data

Reaching your Santander (Germany) account data used to mean chasing eIDAS certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of that. It is a zero-knowledge, certificate-free bridge to 2,600+ EU and UK banks — including Santander Consumer Bank AG (BIC SCFBDE33XXX) — where every figure that lands on your screen is decrypted on your own device with a key nobody else holds.

Whether you run a company account or a personal one, the flow is the same, and it starts in your browser rather than in code.

How to connect Santander

Connecting happens entirely inside the open-banking.io dashboard — there is no endpoint to call and no key to paste in.

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your device, so only you can ever unlock your data.
  2. In the dashboard, choose Santander and pick the account type you want to link — business or personal are both supported.
  3. You are redirected to Santander's own secure login, where you approve access under PSD2 consent. open-banking.io never sees your banking credentials.
  4. Your Santander accounts and transactions sync back into the dashboard. Each consent lasts up to 180 days, after which you simply re-approve on Santander's screen.

That is the whole connection — a passphrase and a bank approval, nothing more.

Access your data

Developers who want programmatic access can add it after the account is connected. Open the Developers page, create an API key, and export a credentials.json that 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 every response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, open-banking.io's servers (which hold just your public key) have nothing readable to give. There is no connect command: the CLI and SDK only read and sync connections you already made in the dashboard.

All of this runs for around EUR 3/month.

FAQ

Do I need an eIDAS certificate to access Santander?

No. open-banking.io is certificate-free — you connect through Santander's own consent screen without any PSD2 certificate or developer registration.

Can open-banking.io read my Santander transactions?

No. The service is zero-knowledge and stores only your public key. Data is decrypted on your device with a private key that never leaves it.

Does Santander support business accounts?

Yes. Both business and personal Santander accounts can be linked, each with a consent window of up to 180 days.

Ready to start? Visit open-banking.io.