UBS Germany API Access & Open Banking Integration

Reaching your UBS Germany account data no longer means chasing certificates, sandbox credentials, or a lengthy PSD2 onboarding. open-banking.io gives you a single, privacy-first route to UBS (BIC SMHBDEFFXXX) alongside 2,600+ other EU and UK institutions. Both business and personal accounts are supported, and every consent you grant runs for up to 180 days before it needs renewing.

What sets the service apart is its zero-knowledge design. Your encryption keys are generated on your own device, so account data is decrypted locally with a key that only you hold. open-banking.io's servers keep nothing but your public key — they can never read or decrypt what flows through them. There are no eIDAS certificates to buy and no infrastructure to maintain, and it all runs for around EUR 3 per month.

How to connect UBS

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in linking your account.

  1. Sign up for open-banking.io and open the web dashboard.
  2. Set an encryption passphrase. Your private keys are created right there on your device and never leave it.
  3. In the dashboard, pick UBS from the bank list and choose your account type (business or personal).
  4. You are redirected to UBS's own secure login and consent screen, where you approve access directly with the bank under PSD2.
  5. Once approved, your UBS accounts sync back into the dashboard, ready to view.

Access your data

Reading UBS data programmatically is an optional step for developers, and only after the connection above exists. Open the Developers page, create an API key, and export a credentials.json bundling that 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. Without that private key an API key returns only ciphertext — which is exactly the point.

Does open-banking.io ever see my UBS balances?

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

Can I connect UBS from the command line?

No. Linking a bank is a dashboard-only flow with UBS's own consent screen. The CLI and SDKs only read and sync connections that already exist.

Up to 180 days, after which you re-approve access through UBS to keep syncing.

Start connecting UBS today at open-banking.io.