Kreissparkasse Düsseldorf Open Banking API Access

Kreissparkasse Düsseldorf serves the Mettmann district around the Rhine, and its business and personal account holders can now bring that account data into their own tools without wrestling with bank certificates or PSD2 registration. open-banking.io gives you a single, private view of your Kreissparkasse Düsseldorf accounts (BIC WELADED1KSD) that stays encrypted end to end — decrypted only on the device where you hold the key.

Because open-banking.io is zero-knowledge, the service never sees your statements in the clear. It stores only your public key; every balance and transaction is unlocked locally with a private key that never leaves your machine. That means no eIDAS certificate, no sandbox onboarding, and no waiting on a developer portal — just around EUR 3 per month for ongoing access to your own financial data.

How to connect Kreissparkasse Düsseldorf

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in linking the account:

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated right there on your device.
  2. In the dashboard, choose Kreissparkasse Düsseldorf and select the account type you hold — business or personal.
  3. You are redirected to Kreissparkasse Düsseldorf's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

Reading the data programmatically is an optional step that comes after the account is already connected. Open 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 the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API can pull your Kreissparkasse Düsseldorf data. Requests carry the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, there is nothing readable to see.

Do I need a certificate or PSD2 licence?

No. open-banking.io handles the regulated connection for you. You authorise access on Kreissparkasse Düsseldorf's own login, and no eIDAS certificate is required on your side.

Can the CLI connect my account?

No. The CLI, SDK, and API only read or sync connections that already exist. Linking Kreissparkasse Düsseldorf is always done in the dashboard through the bank's consent flow.

Can open-banking.io read my transactions?

No. The platform is zero-knowledge and holds only your public key. Your data is decrypted solely on your device with the private key you control.

Ready to start? Visit open-banking.io and link your Kreissparkasse Düsseldorf accounts in minutes.