OBOS-Banken API Access & Open Banking Integration

Getting programmatic access to OBOS-Banken data usually means chasing PSD2 certificates, eIDAS setups and sandbox approvals. open-banking.io removes all of that. It links to OBOS-Banken through a single dashboard, syncs your accounts, and hands the raw data back to you — encrypted so that only you can read it. OBOS-Banken serves both personal and business customers, and both account types work here.

Because the platform is zero-knowledge, its servers only ever hold your public key. Every balance and transaction is decrypted on your own device with a private key that never leaves it. No client certificates, no bank-facing registration, no compliance paperwork on your side.

How to connect OBOS-Banken

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 an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated locally in your browser from it, so the platform never sees your private key.
  3. In the dashboard, choose OBOS-Banken and pick the account type you hold — personal or business.
  4. You are redirected to OBOS-Banken's own secure login, where you approve access (standard PSD2 consent). Your credentials are entered only on the bank's page.
  5. Your accounts flow back into the dashboard and begin syncing.

That consent lasts up to 180 days, after which OBOS-Banken asks you to re-approve — a bank-side rule that applies to every provider.

Access your data

Once a 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:

  • CLI: openbanking accounts, openbanking transactions, openbanking sync
  • Official SDKs, or the REST API directly

Requests authenticate with the X-Api-Key header. Responses arrive as ciphertext and are decrypted locally with your key — the API key alone never yields readable data. The CLI and SDK read and refresh existing connections; they cannot create one.

Does OBOS-Banken publish a BIC here?

No BIC is listed for this integration (n/a). You select the bank by name in the dashboard, so a BIC is not needed to connect.

Can open-banking.io see my OBOS-Banken transactions?

No. The architecture is zero-knowledge — only your public key is stored, and decryption happens on your device.

What does it cost?

Around EUR 3 per month, covering access to OBOS-Banken and 2,600+ other European banks.

Start at open-banking.io.