VR-Bank Passau API Access & Open Banking

Reach your VR-Bank Passau accounts through a single, privacy-first workspace. open-banking.io links to VR-Bank Passau (BIC GENODEF1PA1) under Europe's PSD2 rules, covering both business and personal accounts. There are no eIDAS certificates to buy and no bank-side onboarding paperwork — you approve access directly with your bank, and every figure that lands in your dashboard is decrypted on your own device with a key nobody else holds.

The service is deliberately zero-knowledge: our servers store only your public key, so ciphertext is all they ever see. Balances, IBANs and transaction history stay readable only to you. It runs on a flat subscription of about EUR 3/month across 2,600+ supported European banks.

How to connect VR-Bank Passau

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated locally on your device.
  2. In the dashboard, search for VR-Bank Passau and choose the account type you hold — business or personal.
  3. You are redirected to VR-Bank Passau's own secure login and consent screen, where you authenticate and approve access under PSD2.
  4. Once approved, your accounts sync back into the dashboard. Your consent stays valid for up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

Programmatic access is an optional step you take after the 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections that already exist — they never establish one. Without your private key, an API key alone returns nothing but ciphertext.

FAQ

Does open-banking.io support business and personal VR-Bank Passau accounts?

Yes. Both business and personal accounts at VR-Bank Passau (BIC GENODEF1PA1) can be linked and kept in sync.

Do I need an eIDAS certificate or developer credentials to connect?

No. Connecting is certificate-free and happens in the dashboard — you authorise access on VR-Bank Passau's own consent page. API keys are only for reading data afterwards.

Can open-banking.io staff see my VR-Bank Passau transactions?

No. The platform is zero-knowledge and stores only your public key. Your data is decrypted locally with a private key only you possess.

Ready to begin? Start at open-banking.io.