VR Bank Fulda API Access & Open Banking Data

Pull your VR Bank Fulda balances and transactions into one place with open-banking.io, a zero-knowledge open-banking service covering 2,600+ EU and UK banks. VR Bank Fulda (BIC GENODE51FUL) works for both business and personal accounts, with a PSD2 consent that stays valid for up to 180 days before you renew it. No eIDAS certificate, no bank sponsorship and no paperwork — your data is decrypted locally with a key only you hold, so open-banking.io never sees it in the clear.

How to connect VR Bank Fulda

Connecting happens entirely inside 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 an encryption passphrase. Your keys are generated on your own device.
  2. In the dashboard, search for VR Bank Fulda and choose the account type you want to link — business or personal.
  3. You are redirected to VR Bank Fulda's own secure login to approve access (the standard PSD2 consent screen).
  4. Once you confirm, your accounts sync straight into your dashboard. The consent lasts up to 180 days, after which you re-approve.

Because approval takes place on VR Bank Fulda's side, your credentials are never shared with open-banking.io.

Access your data

Developers can optionally read the same connection programmatically once it is live. Open the Developers page, create an API key and export a credentials.json — this bundles the API 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. The API key alone only returns ciphertext — without your private key nobody, including open-banking.io's servers, can read it. Note the CLI and SDK only read and sync connections you already made in the dashboard; there is no connect command.

All of this runs on the flat ~EUR 3/month plan.

Is a certificate or bank agreement required?

No. open-banking.io is certificate-free — you sign up, approve VR Bank Fulda's consent screen and start syncing.

Can open-banking.io read my VR Bank Fulda data?

No. It is zero-knowledge and stores only your public key. Decryption happens on your device with a key only you hold.

Does this work for business accounts?

Yes. VR Bank Fulda supports both business and personal accounts, each with up to a 180-day consent window.

Ready to start? Head to open-banking.io.