Winterbacher Bank API Access & Open Banking

Reaching your Winterbacher Bank accounts programmatically usually means certificates, sandbox registrations and PSD2 red tape. open-banking.io removes all of it. This Baden-Württemberg cooperative (BIC GENODES1WBB) is one of 2,600+ EU and UK banks you can link through a single dashboard, then read your own data with a key that never leaves your device.

Winterbacher Bank supports both business and personal accounts, and each consent stays valid for up to 180 days before you re-approve — so a linked account keeps syncing for months without interruption.

How to connect Winterbacher Bank

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device, so only you can ever decrypt what comes back.
  2. In the dashboard, search for Winterbacher Bank and choose the account type you want to link — business or personal.
  3. You are redirected to Winterbacher Bank's own secure login, where you approve access under PSD2 (Strong Customer Authentication).
  4. Once approved, your accounts and transactions sync into your open-banking.io dashboard automatically.

Because you authenticate on the bank's own screen, open-banking.io never sees your banking credentials.

Access your data

After a connection exists, developers can optionally read it programmatically. 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 every response is decrypted locally with your own key. The CLI and SDK only read and sync connections that already exist — there is no connect command.

This is what makes the service zero-knowledge and certificate-free: open-banking.io's servers hold only your public key, so an API key alone returns ciphertext. Without your private key, the data is unreadable to anyone — including us. All of this runs for about EUR 3/month.

FAQ

Do I need an API key to connect Winterbacher Bank?

No. Linking is done in the dashboard by approving access on Winterbacher Bank's own login screen. API keys are only for the optional developer step of reading data afterwards.

Can open-banking.io read my Winterbacher Bank transactions?

No. Data is decrypted locally with a key only you hold. The servers store just your public key and encrypted data.

How long does access last?

Up to 180 days per consent, after which you re-approve on the bank's screen. Both business and personal accounts are supported.

Start linking Winterbacher Bank at https://open-banking.io.