Harzsparkasse API Access – Open Banking Made Simple

Pulling your Harzsparkasse balances and transactions into your own tools no longer means wrestling with bank certificates or a PSD2 licence. open-banking.io gives you certificate-free, read access to Harzsparkasse (BIC NOLADE21HRZ) across both business and personal accounts, and it stays private by design: your data is decrypted locally with a key that never leaves your device.

Harzsparkasse serves the Harz region of Saxony-Anhalt, and once connected it syncs into a single dashboard alongside any of the 2,600+ other EU and UK banks the service supports.

How to connect Harzsparkasse

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 right there on your own device.
  2. In the dashboard, search for Harzsparkasse and choose the account type you need — business or personal.
  3. You are redirected to Harzsparkasse's own secure login, where you approve access under PSD2. This consent lasts up to 180 days, after which you simply re-approve.
  4. Your selected accounts sync back into your dashboard, ready to view.

Because you authorise directly on Harzsparkasse's consent screen, your banking credentials are only ever seen by the bank itself.

Access your data

After your Harzsparkasse accounts are connected, developers can optionally read them 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 directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. That is what zero-knowledge means here: open-banking.io's servers hold only your public key, so they can never read your data — an API key alone returns ciphertext until your private key unlocks it.

All of this runs on a flat plan of around EUR 3/month.

FAQ

Does connecting Harzsparkasse require an API key?

No. You connect entirely in the dashboard by approving access on Harzsparkasse's own login screen. API keys are only for the optional developer read step afterwards.

Which Harzsparkasse accounts are supported?

Both business and personal accounts under BIC NOLADE21HRZ, with consent valid for up to 180 days.

Can open-banking.io see my Harzsparkasse transactions?

No. Data is decrypted locally with a key only you hold; the servers store just your public key.

Ready to start? Visit open-banking.io.