Vereinte Volksbank Open Banking & API Access | open-banking.io

Reaching your Vereinte Volksbank accounts programmatically usually means chasing PSD2 certificates and bank-specific sandboxes. open-banking.io removes that overhead. It links your Vereinte Volksbank (BIC GENODEM1KIH) accounts through a single dashboard and hands you clean, locally decrypted data — covering both business and personal accounts, with a PSD2 consent that stays valid for up to 180 days before you re-approve.

Crucially, open-banking.io is zero-knowledge. Your encryption keys are generated on your own device, and the service only ever holds your public key. It never sees your credentials or plaintext balances, and there are no eIDAS certificates for you to buy or manage.

How to connect Vereinte Volksbank

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 an open-banking.io account.
  2. Set your encryption passphrase. This generates your private key locally; only you ever hold it.
  3. In the dashboard, search for Vereinte Volksbank and choose the account type you need — business or personal.
  4. You are redirected to Vereinte Volksbank's own secure login and consent screen, where you approve access directly with the bank.
  5. Your accounts sync back into the dashboard, ready to view.

That's the whole flow. You authenticate with Vereinte Volksbank itself, so open-banking.io never touches your online-banking password.

Access your data

Once a connection exists, developers can optionally read it 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 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 CLI and SDK only read and sync connections that already exist — they cannot create one.

Without your private key, an API key alone returns only ciphertext, which is exactly what keeps the model zero-knowledge.

FAQ

Do I need a PSD2 certificate for Vereinte Volksbank?

No. open-banking.io is certificate-free. You approve access on Vereinte Volksbank's own consent screen — no eIDAS setup required.

Up to 180 days. After that, you simply re-approve access through the bank to keep your data syncing.

What does it cost?

Around EUR 3 per month, covering both business and personal Vereinte Volksbank accounts.

Start at open-banking.io.