SKB Freier ev. Gemeinden open banking & API access

Reaching your account data at Spar- und Kreditbank des Bundes Freier evangelischer Gemeinden shouldn't mean chasing an eIDAS certificate or standing up your own PSD2 stack. open-banking.io gives you a single, privacy-first path into the Witten cooperative bank (BIC GENODEM1BFG), covering both business and personal accounts. Everything you pull is encrypted on your own device with a key that never leaves it, so the service can move your data without ever being able to read it.

The model is deliberately simple: connect once through a guided screen, then optionally automate reads later. No developer onboarding, no bank-specific paperwork, no certificate to renew.

How to connect Spar- und Kreditbank des Bundes Freier evangelischer Gemeinden

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally on your device at this moment.
  2. In the dashboard, search for Spar- und Kreditbank des Bundes Freier evangelischer Gemeinden and choose your account type — business or personal.
  3. You're redirected to the bank's own secure login, where you approve access under PSD2. Your credentials are only ever entered on the bank's screen.
  4. Consent granted, your accounts and transactions sync straight into your dashboard. A single approval stays valid for up to 180 days, after which you simply reconfirm.

Access your data

Once the connection exists, developers can read it programmatically — this part is optional. 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 authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard — they never establish new ones.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key alone returns ciphertext; without your private key it stays unreadable. All of this runs for around EUR 3/month, with no certificates to buy or maintain.

Is the connection secure?

Yes. You authenticate on Spar- und Kreditbank des Bundes Freier evangelischer Gemeinden's own login page under PSD2, and your data is decrypted only on your device.

Can I connect business and personal accounts?

Both are supported. Pick the account type when you select the bank in the dashboard.

How long does access last?

Up to 180 days per consent. When it expires, reapprove on the bank's screen to keep syncing.

Ready to begin? Visit open-banking.io.