Volks- und Raiffeisenbank Muldental Open Banking API Access

Pulling account and transaction data from Volks- und Raiffeisenbank Muldental (VR-Bank Muldental) into your own tools normally means wrestling with PSD2 certificates and per-bank onboarding. open-banking.io removes that friction: it maintains a certified connection to this Grimma-based co-operative bank (BIC GENODEF1GMV) so you don't have to. Both business and personal accounts are supported, and a single consent stays valid for up to 180 days before it needs renewing.

The service is zero-knowledge and certificate-free. When you set up your account, encryption keys are generated on your own device, and open-banking.io only ever holds your public key. Your financial data is decrypted locally — the servers store ciphertext they cannot read.

How to connect Volks- und Raiffeisenbank Muldental

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 private key is created locally at this point and never leaves your device.
  2. In the dashboard, search for Volks- und Raiffeisenbank Muldental and choose your account type — business or personal.
  3. You're redirected to Volks- und Raiffeisenbank Muldental's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into the dashboard automatically.

That's the whole flow. No developer redirect, no certificate upload — just the bank's standard login.

Access your data

After 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 you already made in the dashboard — they never connect a bank themselves.

All of this runs for around EUR 3/month.

Does open-banking.io see my Volks- und Raiffeisenbank Muldental data?

No. It's zero-knowledge — the servers hold only your public key and store encrypted data. Decryption happens on your device with a key only you have.

Can I connect using only the API?

No. Connecting is done in the dashboard via the bank's own consent screen. The API, CLI, and SDK only read and sync existing connections.

What happens after 180 days?

That's the maximum consent window for Volks- und Raiffeisenbank Muldental. When it lapses, simply re-approve access in the dashboard to keep your data syncing.

Get started at open-banking.io.