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Requesting your bank account using hbci pin/tan is possible with the AqBanking open source tool.
See http://www.aquamaniac.de/sites/aqbanking/index.php for more informations.
AqBanking is also available in many linux distributions and for Mac OS over darwin ports

This libary is a wraper around the AqBanking command line tools.

* Request Transactions
* Request Account Balance
* Configure different accounts

* make sure you have the command line tools "aqhbci-tool" and "aqbanking-cli" available for your environment and
  configured the correct shell command in config/environment.yaml
* configure all accounts in config/accounts.yaml (use config/accounts_example.yaml as template)
* run rake aqbanking:setup once to prepare your system for your configured accounts
* run rake aqbanking:cleanup to delete all configured account from your local system
* use account tags names as configured in config/accounts.yaml to create new account objects
  Account.new("my_account")

* Request all transactions from 2010/01/01 to 2010/05/30

my_business_account = AqBanking::Account.new("business")
my_business_account.transactions(Date.new(2010,1,1),Date.new(2010,5,30))

* returns an array of AqBanking::Transaction Objects

* Request account balance

my_business_account.balance

you need at least

 * bank_code

 * account_id

 * user_id

 * server_url

 * pin

 maybe

 * hbci_version # default is 220

(MIT License)

Copyright © 2010 Manuel Kniep, Jan Schulz-Hofen, Planio GmbH

Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the “Software”), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED “AS IS”, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.