Förde Sparkasse API Access & Open Banking Sync

Reaching your Förde Sparkasse balances and transactions outside the bank's own app usually means fighting with certificates, eIDAS registrations and PSD2 paperwork. open-banking.io removes all of that. It is a certificate-free, zero-knowledge gateway covering 2,600+ EU and UK banks, and Förde Sparkasse (Kiel, BIC NOLADE21KIE) is one of them. Both business and personal account types are supported, and a single consent stays valid for up to 180 days before you re-approve.

The key idea: your data is decrypted on your own device with a key only you hold. open-banking.io's servers keep only your public key, so nobody at the service — or anyone who breaches it — can read your Förde Sparkasse statements.

How to connect Förde Sparkasse

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 encryption keys are generated locally on your device from it.
  3. In the dashboard, search for Förde Sparkasse and choose the account type you need (business or personal).
  4. You are redirected to Förde Sparkasse's own secure login, where you approve access under PSD2.
  5. Your accounts sync straight into your dashboard.

That's it — you never hand your banking credentials to open-banking.io; you enter them only on the Sparkasse's own consent screen.

Access your data

Once the 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key it stays unreadable. Note the CLI and SDK only read and sync connections that already exist; they cannot create one.

Is a certificate or eIDAS registration required?

No. open-banking.io is certificate-free. You only approve consent on Förde Sparkasse's login page.

Up to 180 days, after which you simply re-approve access from the dashboard.

What does it cost?

Around EUR 3 per month for access across all supported banks, including Förde Sparkasse.

Start at open-banking.io.