VR Bank Mittlere Oberpfalz API Access & Open Banking

Pulling your VR Bank Mittlere Oberpfalz accounts into your own tools shouldn't mean handing a third party the keys to your finances. open-banking.io gives you PSD2 access to this Schwandorf-based cooperative bank (BIC GENODEF1SWD) while keeping decryption on your device — the service only ever holds your public key. Both business and personal accounts are supported, and a single consent lasts up to 180 days before you renew it.

There are no certificates to obtain, no eIDAS setup, and no bank-specific paperwork. You sign up once, and every VR Bank Mittlere Oberpfalz account you approve syncs into a dashboard only you can read.

How to connect VR Bank Mittlere Oberpfalz

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

  1. Create an open-banking.io account and set an encryption passphrase. Your key pair is generated locally, so the private key never leaves your device.
  2. In the dashboard, search for VR Bank Mittlere Oberpfalz and choose whether you're linking a business or personal account.
  3. You're redirected to VR Bank Mittlere Oberpfalz's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts and transactions flow back into the dashboard, already synced and ready to view.

That's the whole flow. The account holder always authorises directly with the bank — nobody redirects on your behalf.

Access your data

Want the data in your own scripts? After a connection exists, open the Developers page, create an API key, and export a credentials.json that bundles that key with your private decryption key. Then read your data programmatically:

  • CLI: openbanking accounts, openbanking transactions, openbanking sync
  • Or use an SDK or the REST API, passing your key in the X-Api-Key header

Every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard — there is no connect command, and an API key alone returns nothing but ciphertext without your private key.

FAQ

Does open-banking.io store my VR Bank Mittlere Oberpfalz login?

No. You authenticate on VR Bank Mittlere Oberpfalz's own consent page. open-banking.io holds only your public key and can never decrypt your data.

Up to 180 days per approval, after which you re-confirm access on the bank's screen. Both business and personal accounts (BIC GENODEF1SWD) are covered.

What does it cost?

Around EUR 3/month, covering dashboard access plus optional developer tooling — CLI, SDK, and REST API.

Ready to start? Visit open-banking.io.