Ziraat Bank Germany API Access & Open Banking

Ziraat Bank International AG serves personal and business customers across Germany from its Frankfurt base, and open-banking.io gives you standards-based PSD2 access to those accounts without any certificate paperwork or eIDAS setup. You add Ziraat Bank once inside the dashboard, approve access on the bank's own login, and your balances and transactions flow in — encrypted so that only you can read them.

open-banking.io covers 2,600+ European banks behind one consistent interface. Whether you hold a private current account or a business account (BIC TCZBTR2A), the connection and read model is identical, so anything you build works the same across every bank you link.

How to connect Ziraat Bank

Connecting happens entirely in 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 nobody else — including open-banking.io — can decrypt what you sync.
  2. In the dashboard, pick Ziraat Bank (Germany) and choose the account type you want to link: business or personal.
  3. You're redirected to Ziraat Bank's own secure login, where you authenticate and approve access under PSD2.
  4. Your accounts sync back into your dashboard. A single consent stays valid for up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

Reading your data programmatically is an optional developer step you take after the bank is connected. On the Developers page, create an API key and export a credentials.json — it bundles that 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 you've already made — they never establish new ones.

Because open-banking.io is zero-knowledge, its servers hold only your public key; an API key on its own returns ciphertext until your private key unlocks it. All of this runs at roughly EUR 3/month.

FAQ

Do I need an eIDAS certificate to access Ziraat Bank?

No. open-banking.io is certificate-free — you never handle QWACs or PSD2 certificates. You just approve access on Ziraat Bank's login.

Can open-banking.io read my Ziraat Bank data?

No. Data is decrypted only on your device with a key that never leaves it. The service stores only your public key and encrypted data.

Up to 180 days per approval. When it expires, re-confirm access on Ziraat Bank's own consent screen.

Start at https://open-banking.io.