VR-Bank Erding Open Banking & Developer API Access

Reaching your VR-Bank Erding accounts through a standards-based open-banking layer no longer means wrestling with eIDAS certificates or a bank sandbox. open-banking.io connects to the Bavarian cooperative bank (BIC GENODEF1ISE) under PSD2 and streams your balances and transactions into one encrypted dashboard — decrypted only on your device, with a key that never leaves it.

Both business and personal VR-Bank Erding accounts are supported, and a single approval keeps the link live for up to 180 days before you re-confirm.

How to connect VR-Bank Erding

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. Your key pair is generated locally, so only you can ever unlock the data.
  2. In the dashboard, search for VR-Bank Erding and choose the account type you hold — business or personal.
  3. You are redirected to VR-Bank Erding's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into the dashboard. The consent stays valid for 180 days, then a quick re-approval renews it.

That's the whole flow: no developer setup, no redirect you have to build, nothing leaving your browser except the standard consent handshake with the bank.

Access your data

Once VR-Bank Erding is linked, reading it programmatically is an optional developer step. Open the Developers page, create an API key, and export a credentials.json bundle — it holds the API key together with your private decryption key. From there the CLI (openbanking accounts, openbanking transactions, openbanking sync), the SDKs, and the REST API all work the same way: send your X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext, because open-banking.io stores just your public key and can never read your data.

At around EUR 3/month, the service stays certificate-free and zero-knowledge throughout.

Does connecting VR-Bank Erding need a developer account?

No. You link the bank in the dashboard and approve on VR-Bank Erding's consent screen. API keys are only for reading the data afterwards.

Can open-banking.io staff see my VR-Bank Erding transactions?

No. Data is decrypted on your device with a key only you hold. Servers keep your public key alone, so they only ever hold ciphertext.

Up to 180 days for both business and personal accounts, after which you re-approve in the dashboard.

Ready to start? Visit open-banking.io.