Volkswagen Bank API Access & Open Banking | open-banking.io

Volkswagen Bank started as the financing arm behind the cars and grew into a full German direct bank. If you hold accounts there and want your balances and transactions in one place — a spreadsheet, a bookkeeping tool, or your own script — open-banking.io gives you a PSD2 route that keeps the data yours. Volkswagen Bank (BIC VOWADE2B) is one of 2,600+ EU and UK institutions covered, and both business and personal accounts are supported, with consent lasting up to 180 days before you re-approve.

The difference from most aggregators is where decryption happens. open-banking.io is zero-knowledge and certificate-free: encryption keys are generated on your own device, and the service only ever holds your public key. Statements and transaction history are unreadable to their servers — they decrypt locally, with a key only you control.

How to connect Volkswagen Bank

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

  1. Sign up at open-banking.io and set your encryption passphrase. Your keys are created locally at this moment.
  2. In the dashboard, search for and select Volkswagen Bank, then choose the account type — business or personal.
  3. You are redirected to Volkswagen Bank's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials go only to the bank.
  4. Once approved, your accounts sync back into the dashboard, ready to view.

Access your data

Reading programmatically is an optional developer step that comes after the connection above 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 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 there is nothing readable to see.

Pricing is roughly EUR 3/month.

Can I connect Volkswagen Bank with an API key?

No. The bank connection is made in the dashboard by approving access on Volkswagen Bank's own screen. API keys are only for reading data you've already connected.

Does open-banking.io see my Volkswagen Bank transactions?

No. It is zero-knowledge — servers hold only your public key. Data is decrypted on your device.

How long does access last?

Up to 180 days per consent, after which you re-approve on Volkswagen Bank's login screen.

Start at open-banking.io.