VR-Bank Mittelsachsen API & Open Banking Access

Reaching your VR-Bank Mittelsachsen accounts programmatically usually means wrestling with eIDAS certificates and a PSD2 sandbox. open-banking.io removes that layer: it is a certificate-free bridge to VR-Bank Mittelsachsen (BIC GENODEF1DL1) covering both business and personal accounts, with balances and transactions flowing into one dashboard you control. Because the service is zero-knowledge, your data is decrypted only on your own device with a key nobody else holds.

How to connect VR-Bank Mittelsachsen

Connecting happens entirely in the open-banking.io dashboard — there is no endpoint to call and no API key to paste.

  1. Sign up for open-banking.io and set an encryption passphrase. Your key pair is generated locally on your device, so the platform only ever stores your public key.
  2. In the dashboard, search for VR-Bank Mittelsachsen and choose the account type you want to link — business or personal.
  3. You are redirected to VR-Bank Mittelsachsen's own secure login and consent screen, where you approve access directly with the bank under PSD2.
  4. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen to keep the connection live.

No credentials ever pass through open-banking.io — authentication stays between you and VR-Bank Mittelsachsen.

Access your data

Once the connection exists, developers can read it programmatically — an optional step, not part of connecting. Open the Developers page, create an API key, and export a credentials.json that bundles the API key with your private decryption key. From there:

  • Run the CLI: openbanking accounts, openbanking transactions, or openbanking sync.
  • Or call the REST API / SDK, sending your key in the X-Api-Key header.

Every response arrives as ciphertext and is decrypted locally with your private key. An API key on its own returns only unreadable data — proof that open-banking.io servers never see your finances. All of this runs for roughly EUR 3 per month.

Does open-banking.io store my banking password?

No. You authenticate on VR-Bank Mittelsachsen's own consent screen, and the platform never receives your login details.

Yes. VR-Bank Mittelsachsen supports both account types, and you can connect each from the dashboard separately.

Access runs for up to 180 days. When it lapses, reconnect from the dashboard and re-approve on the bank's screen — no data is lost.

Start at open-banking.io.