Volksbank im Bergischen Land Open Banking & API Access

Reaching your Volksbank im Bergischen Land account data no longer means wrestling with PSD2 certificates, sandbox registrations, or bespoke bank APIs. open-banking.io gives you one consistent, encrypted path to your Remscheid-based cooperative bank (BIC VBRSDE33XXX), covering both business and personal accounts. Everything you retrieve is decrypted on your own device with a key that never leaves it — the service is zero-knowledge and holds only your public key.

How to connect Volksbank im Bergischen Land

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 open-banking.io and set an encryption passphrase. Your key pair is generated locally on your device at this moment.
  2. In the dashboard, search for Volksbank im Bergischen Land and choose your account type (business or personal).
  3. You are redirected to Volksbank im Bergischen Land's own secure login, where you approve access under PSD2. Your credentials are only ever entered on the bank's site.
  4. Once you grant consent — valid for up to 180 days before a simple renewal — your accounts and transactions sync straight into your dashboard.

That's the whole flow: a one-time approval on the bank's consent screen, then live data in your dashboard.

Access your data

Want to work with the data programmatically? That's an optional developer step you take after connecting. Open the Developers page, create an API key, and export a credentials.json — this bundles your 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. An API key on its own only ever returns ciphertext — without your private key, nobody, including open-banking.io, can read it.

Flat pricing runs about EUR 3/month, with no per-call fees and no certificate paperwork.

Do I need a bank API key from Volksbank im Bergischen Land?

No. You approve access directly on the bank's consent screen through the dashboard — there's nothing to request from the bank separately.

Can open-banking.io read my Volksbank im Bergischen Land transactions?

No. The architecture is zero-knowledge. Data is encrypted to your public key and only decrypted on your device with the private key you control.

Up to 180 days per PSD2 rules, after which you re-approve with a quick redirect back to Volksbank im Bergischen Land.

Start at open-banking.io.