Access Volksbank Nordharz Data via Open Banking API

Volksbank Nordharz is a cooperative bank serving the Harz region of Lower Saxony, and open-banking.io lets you reach its account data without building against a raw PSD2 API or juggling eIDAS certificates. Whether you keep a private current account or run a business relationship, you get a single dashboard for balances and transactions — encrypted so that only you can read them. Volksbank Nordharz uses BIC GENODEF1VNH and supports both business and personal accounts, with consent lasting up to 180 days before you re-approve.

How to connect Volksbank Nordharz

Connecting happens entirely inside the open-banking.io dashboard — there is no code, endpoint, or API key involved in this step.

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally on your own device, so the service never sees them.
  2. In the dashboard, choose Volksbank Nordharz and select the account type you want to link (business or personal).
  3. You are redirected to Volksbank Nordharz's own secure login, where you approve access under PSD2 consent.
  4. Your accounts sync back into the dashboard, and open-banking.io holds only your public key — never anything that could decrypt your data.

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 file, which bundles that key together with your private decryption key. Then 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 alone only ever returns ciphertext. The CLI and SDK read and sync existing connections; they cannot create one.

This is a zero-knowledge, certificate-free approach at roughly EUR 3/month, with no bank-facing certificates to obtain or renew.

Is my Volksbank Nordharz data readable by open-banking.io?

No. Decryption keys stay on your device. The servers store only your public key and encrypted data.

Which account types are supported?

Both business and personal Volksbank Nordharz accounts can be connected.

Up to 180 days, after which you re-approve access on Volksbank Nordharz's login screen.

Start at open-banking.io.