Volksbank Heiden API Access & Open Banking Data

Reaching your Volksbank Heiden accounts programmatically usually means wrestling with PSD2 certificates, sandbox registrations and eIDAS paperwork. open-banking.io removes all of that. It links your Heiden accounts through a single dashboard and hands the data back to you already tied to a key that never leaves your device — so nobody, not even us, can read your balances or transactions.

Volksbank Heiden eG (BIC GENODEM1HEI) is supported for both business and personal accounts, with consent valid for up to 180 days before you re-approve.

How to connect Volksbank Heiden

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 keys are generated locally, on your own device.
  2. In the dashboard, search for Volksbank Heiden and choose the account type you hold (business or personal).
  3. You are redirected to Volksbank Heiden's own secure login, where you approve access on the bank's official PSD2 consent screen.
  4. Once approved, your accounts and transactions sync straight into your dashboard.

Because the approval takes place on the bank's side, your Heiden credentials are never seen or stored by open-banking.io.

Access your data

Programmatic access is an optional step you take after the connection exists. 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 you can 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. An API key on its own only returns ciphertext — readable data requires your private key, which we never hold.

The service is zero-knowledge and certificate-free: our servers keep only your public key. Pricing is roughly EUR 3/month.

FAQ

Do I need an eIDAS certificate for Volksbank Heiden?

No. open-banking.io handles PSD2 access on your behalf, so no certificate or bank developer registration is required.

Can I connect Volksbank Heiden using the CLI or API?

No. Connecting always happens in the dashboard via the bank's consent screen. The CLI, SDK and REST API only read and sync connections that already exist.

Can open-banking.io see my Volksbank Heiden transactions?

No. Data is decrypted locally with a key only you hold. Our servers store only your public key and never see plaintext.

Ready to start? Visit open-banking.io.