VR-Bank Handels- und Gewerbebank Open Banking API

Reading your VR-Bank Handels- und Gewerbebank (BIC GENODEF1MTG) accounts should not require a corporate PSD2 licence or a stack of eIDAS certificates. open-banking.io gives you supervised, standards-based access to both business and personal accounts held at this German cooperative bank, and hands the encryption keys to you rather than to a server. Balances and transactions flow into a single dashboard, and a single PSD2 consent covers up to 180 days before you re-approve — no scraping, no shared passwords, no certificate procurement.

The service is zero-knowledge by design: your data is decrypted locally on your own device with a key only you hold, so open-banking.io stores nothing it could read on your behalf.

How to connect VR-Bank Handels- und Gewerbebank

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 an encryption passphrase. Your keys are generated on your device at this moment.
  2. In the dashboard, pick VR-Bank Handels- und Gewerbebank from the bank list and choose the account type — business or personal.
  3. You are redirected to VR-Bank Handels- und Gewerbebank's own secure login, where you approve access on the bank's consent screen (standard PSD2 authorisation).
  4. Your approved accounts sync back into your dashboard, ready to view — no further setup needed.

That is the whole flow. You never hand credentials to open-banking.io, and the bank authenticates you directly.

Access your data

Programmatic access is an optional step, only after a connection 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 you can 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 CLI and SDK only read and sync connections you already approved in the dashboard — they cannot initiate a new bank link.

At around EUR 3/month, this replaces the certificates and compliance overhead of a direct bank integration.

Does open-banking.io ever see my VR-Bank Handels- und Gewerbebank data?

No. It holds only your public key; ciphertext is decrypted on your device, so the servers cannot read your balances or transactions.

Up to 180 days for VR-Bank Handels- und Gewerbebank, after which you re-approve on the bank's consent screen.

Can I connect a business account?

Yes. Both business and personal account types are supported — you choose the type when picking the bank in the dashboard.

Start at open-banking.io.