VR-Bank Fichtelgebirge-Frankenwald Open Banking API

Reaching your VR-Bank Fichtelgebirge-Frankenwald accounts programmatically usually means TPP licences, eIDAS certificates and PSD2 sandbox paperwork. open-banking.io removes all of that. It is a certificate-free bridge to 2,600+ EU and UK banks that lets you pull balances and transactions from this Bavarian cooperative (BIC GENODEF1MAK) without ever handing your data to a third party in readable form.

The design is zero-knowledge: your encryption keys are generated on your own device, and open-banking.io's servers only ever hold your public key. Everything you sync back is ciphertext to them and plaintext only to you.

How to connect VR-Bank Fichtelgebirge-Frankenwald

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

  1. Sign up and set an encryption passphrase. Your private key is derived locally and never leaves your machine.
  2. In the dashboard, search for VR-Bank Fichtelgebirge-Frankenwald and choose your account type — both business and personal accounts are supported.
  3. You are redirected to VR-Bank Fichtelgebirge-Frankenwald's own secure login, where you approve access on the bank's PSD2 consent screen. A single consent stays valid for up to 180 days before you renew it.
  4. Your approved accounts sync straight into your dashboard, encrypted under your key.

Access your data

Reading the data programmatically is an optional step you take after the account is connected. Open the Developers page, create an API key and export a credentials.json — this file bundles your API key together with your private decryption key.

With that in place, use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only returns ciphertext — without your private key, the payload stays unreadable. There is no connect command in the tooling; the CLI and SDK only read and refresh connections you already approved in the dashboard.

All of this runs at around EUR 3/month, flat.

Do I need an eIDAS certificate or TPP licence?

No. open-banking.io is certificate-free. You approve access through VR-Bank Fichtelgebirge-Frankenwald's normal consent screen — no bank-facing credentials required.

Can open-banking.io read my transactions?

No. The service is zero-knowledge and holds only your public key. Data is decrypted locally with a private key that never leaves your device.

How long does access last before I re-authorise?

A VR-Bank Fichtelgebirge-Frankenwald consent lasts up to 180 days. After that you simply re-approve on the bank's own screen to keep syncing.

Start at open-banking.io.