Volksbank PLUS API Access & Open Banking (Germany)

Pulling your Volksbank PLUS balances and transactions into your own tools shouldn't mean wrangling PSD2 certificates or hosting a compliance stack. open-banking.io gives you a certificate-free path to Volksbank PLUS (BIC GENODEM1LUB) data across both business and personal accounts, with consent valid for up to 180 days before you re-approve. Everything is encrypted so that only you hold the key that unlocks it.

How to connect Volksbank PLUS

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 your encryption passphrase. The keys are generated locally on your device, so open-banking.io only ever stores your public key.
  2. In the dashboard, search for Volksbank PLUS and choose the account type you want to link — business or personal.
  3. You're redirected to Volksbank PLUS's own secure login, where you approve access directly with the bank (standard PSD2 consent).
  4. Once approved, your Volksbank PLUS accounts sync into your dashboard and refresh automatically for the life of the 180-day consent.

Because you authenticate on the bank's own screen, open-banking.io never sees your Volksbank PLUS credentials.

Access your data

Once the connection is live, reading it programmatically is an optional developer step. Open 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 directly. 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, the data stays unreadable, which is what makes the service genuinely zero-knowledge.

At around EUR 3/month, you get certificate-free access without becoming a regulated PSD2 provider yourself.

FAQ

Do I need a PSD2 certificate for Volksbank PLUS?

No. open-banking.io is certificate-free — you approve access on Volksbank PLUS's consent screen and skip the licensing entirely.

Can open-banking.io read my Volksbank PLUS data?

No. Data is decrypted only on your device with a key you hold. The servers store just your public key and encrypted blobs.

Does the CLI connect my Volksbank PLUS account?

No. Connecting is done once in the dashboard. The CLI, SDK and API only read or sync accounts you've already linked.

Ready to start? Visit open-banking.io.