Targobank Open Banking & API Access | open-banking.io

Reach your Targobank (Germany) accounts without maintaining PSD2 certificates or building against a raw banking API. open-banking.io links to Targobank (BIC CMCIDEDDXXX) through the standard European open-banking framework, covering both business and personal accounts. Everything you retrieve is encrypted and decrypted on your own device with a key only you hold, so the service never sees your balances or transactions in the clear.

How to connect Targobank

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 locally on your device.
  2. In the dashboard, search for Targobank and choose whether you are linking a business or personal account.
  3. You are redirected to Targobank's own secure login, where you approve access directly on the bank's PSD2 consent screen.
  4. Once approved, your accounts and transactions sync into your dashboard automatically.

A single consent stays valid for up to 180 days, after which you simply re-approve on Targobank's login to keep the connection live.

Access your data

After Targobank is connected, developers can optionally read the data programmatically. 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key — the API key alone only ever returns ciphertext. The CLI and SDK read and sync the connection you already established; they do not create it.

For around EUR 3/month you get certificate-free, zero-knowledge access to Targobank and 2,600+ other EU/UK banks.

FAQ

Do I need a PSD2 certificate to connect Targobank?

No. open-banking.io handles the regulated open-banking layer, so you never register for or renew certificates. You just approve access on Targobank's login.

Can open-banking.io read my Targobank data?

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 the API key alone return my transactions?

No. The X-Api-Key header authenticates requests, but responses arrive encrypted. You need your private decryption key (in credentials.json) to read them.

Start at open-banking.io.