UmweltBank API Access & Open Banking Made Simple

Want programmatic access to your UmweltBank accounts without wrestling with eIDAS certificates or maintaining your own PSD2 stack? open-banking.io links UmweltBank (BIC UMWEDE7NXXX) to a single, privacy-first dashboard that covers 2,600+ banks across the EU and UK. Both business and personal UmweltBank accounts are supported, and each authorisation stays valid for up to 180 days before you renew it.

The key idea: your bank data is encrypted with a key generated on your own device. open-banking.io stores only your public key, so its servers can never read or decrypt what flows through — it is genuinely zero-knowledge, with no certificate for you to buy or renew.

How to connect UmweltBank

Connecting happens entirely in 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 encryption keys are created locally on your device at this moment.
  2. In the dashboard, search for and select UmweltBank, then choose whether you are linking a business or personal account.
  3. You are redirected to UmweltBank's own secure login, where you approve access under PSD2 consent — your credentials only ever touch the bank.
  4. Once approved, your UmweltBank accounts and transactions sync straight into your dashboard.

That's it. No developer redirect, no manual token handling — just the bank's own consent screen.

Access your data

Already connected and want to automate? This step is optional and comes after the dashboard link exists. On the Developers page, create an API key and export a credentials.json — this bundles your API key together with your private decryption key.

With that in place you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally using your private key. An API key on its own only ever returns ciphertext — without your key, the data stays unreadable to everyone, including open-banking.io.

All of this runs for around EUR 3/month.

Do I need a PSD2 certificate for UmweltBank?

No. open-banking.io is certificate-free — you approve access on UmweltBank's consent screen and nothing else is required.

Can open-banking.io see my UmweltBank transactions?

No. The service holds only your public key. Data is decrypted on your device, so the servers only ever see ciphertext.

Up to 180 days per authorisation. After that, simply re-approve access in the dashboard to keep syncing.

Ready to start? Visit open-banking.io.