VR Bank Kitzingen API Access & Open Banking Data

Pulling your VR Bank Kitzingen balances and transactions into your own tools usually means wrestling with PSD2 certificates and sandbox onboarding. open-banking.io skips all of that. It is a certificate-free bridge to VR Bank Kitzingen eG (BIC GENODEF1KT1) and 2,600+ other EU and UK banks, where the data that lands in your dashboard is decrypted locally with a key only you hold.

Both business and personal VR Bank Kitzingen accounts are supported, and a single consent stays valid for up to 180 days before the bank asks you to re-approve.

How to connect VR Bank Kitzingen

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

1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated right there on your device.
2. In the dashboard, search for VR Bank Kitzingen and choose whether you're linking a business or personal account.
3. You're redirected to VR Bank Kitzingen's own secure login, where you approve access on the bank's PSD2 consent screen — your credentials only ever touch the bank.
4. Once approved, your accounts sync back into the dashboard automatically.

That's the whole flow. No developer redirect, no code, nothing for the account holder to install.

Access your data

Want to work with the data programmatically? That's an optional step you take after the connection above exists. Open the Developers page, create an API key, and export a credentials.json — it 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 directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and refresh connections you've already approved — they never create new ones.

Because open-banking.io is zero-knowledge, its servers only ever hold your public key. An API key on its own returns ciphertext; without your private key it stays unreadable. All of this runs for around EUR 3/month.

Is a bank certificate required?

No. open-banking.io is certificate-free — you approve access on VR Bank Kitzingen's login and you're done.

Can open-banking.io read my transactions?

No. Data is decrypted on your device with a key only you hold; the service stores just your public key.

Can I link both a business and personal account?

Yes. VR Bank Kitzingen supports both, each connected separately and each valid for up to 180 days.

Start at open-banking.io.