VR Bank Kempten-Oberallgäu API Access & Open Banking

Pulling your VR Bank Kempten-Oberallgäu account and transaction data into your own tools no longer means wrestling with eIDAS certificates or a bank sandbox. open-banking.io gives you PSD2 access to VR Bank Kempten-Oberallgäu (BIC GENODEF1SFO) through a single dashboard, covering both business and personal accounts. Everything is decrypted locally with a key only you hold, so the service can read your data.

How to connect VR Bank Kempten-Oberallgäu

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in linking the account:

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated on your own device, never on the server.
  2. In the dashboard, pick VR Bank Kempten-Oberallgäu and choose the account type — business or personal.
  3. You are redirected to VR Bank Kempten-Oberallgäu's own secure login to approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve.

Access your data

Once the account is linked, reading it programmatically is an optional developer step. From 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. Note that the CLI and SDK only read and sync connections you already made in the dashboard — there is no connect command. An API key on its own returns only ciphertext; without your private key the data stays unreadable.

This is what zero-knowledge means in practice: open-banking.io holds only your public key and never sees plaintext balances or transactions. There are no certificates to buy or maintain, and access to VR Bank Kempten-Oberallgäu costs roughly EUR 3/month as part of the 2,600+ bank catalogue.

Do I need an eIDAS certificate for VR Bank Kempten-Oberallgäu?

No. open-banking.io handles the regulated PSD2 access, so you never touch a certificate.

Can open-banking.io see my VR Bank Kempten-Oberallgäu transactions?

No. Data is decrypted only on your device with a key you alone control; the server stores just your public key.

How long does access last?

VR Bank Kempten-Oberallgäu grants consent for up to 180 days. When it expires, re-approve on the bank's consent screen from the dashboard.

Start at https://open-banking.io.