St. Galler Kantonalbank Open Banking & API Access

Reaching your St. Galler Kantonalbank (Germany) account data no longer means wrestling with bank-issued certificates or eIDAS paperwork. open-banking.io gives you PSD2-grade access to the St.Galler Kantonalbank Deutschland AG (BIC GAKDDEM1XXX) with a workflow built around one principle: your financial data is decrypted on your own device, using a key only you hold. The platform stores nothing it could read.

Both business and personal accounts are supported, and a single approval keeps your connection live for up to 180 days before St. Galler Kantonalbank asks you to renew consent.

How to connect St. Galler Kantonalbank

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, no code, and no key involved at this stage:

  1. Sign up for open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally, on your device, the moment you do this.
  2. In the dashboard, search for St. Galler Kantonalbank and choose the account type you want to link (business or personal).
  3. You are redirected to St. Galler Kantonalbank's own secure login, where you approve access on the bank's PSD2 consent screen — your credentials only ever touch the bank.
  4. Once approved, your accounts and transactions sync straight into your open-banking.io dashboard.

That's the whole connection process. No developer redirect handles it on your behalf, and nothing about it requires a terminal.

Access your data

After your St. Galler Kantonalbank accounts are syncing, developers can optionally read them programmatically. On 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read connections you've already made in the dashboard — they never establish new ones.

At roughly EUR 3/month, you get certificate-free access without surrendering privacy: open-banking.io holds only your public key and can never decrypt what it relays.

Do I need my own PSD2 certificate?

No. open-banking.io is certificate-free — you approve access directly on St. Galler Kantonalbank's consent screen and skip the licensing overhead entirely.

Can an API key alone read my transactions?

No. An API key returns only ciphertext. Readable data requires your private decryption key from credentials.json, which stays on your device.

How long does a connection last?

Up to 180 days per approval. When the window closes, simply re-approve on St. Galler Kantonalbank's login to continue syncing.

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