Kreissparkasse Gotha API & Open Banking Access

Reaching your Kreissparkasse Gotha accounts programmatically used to mean eIDAS certificates, sandbox registrations and a PSD2 approval queue. open-banking.io removes all of that. It is a zero-knowledge, certificate-free gateway to more than 2,600 European banks, so your Kreissparkasse Gotha business and personal balances and transactions land in one dashboard — and, if you want, in your own scripts. Every figure is decrypted on your own device with a key only you hold; the service stores nothing it could read.

How to connect Kreissparkasse Gotha

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, endpoint or key involved in this step.

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your device, so open-banking.io only ever sees your public key.
  2. In the dashboard, search for Kreissparkasse Gotha (BIC HELADEF1GTH) and choose the account type you need — business or personal.
  3. You are redirected to Kreissparkasse Gotha's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials go only to the bank.
  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

Once Kreissparkasse Gotha is connected, developers can optionally read the data in code. Open the Developers page, create an API key and export a credentials.json — this bundles the API key with your private decryption key. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your private key. An API key on its own returns only ciphertext — without your key there is nothing readable, which is what makes the zero-knowledge model hold. The CLI and SDK read and refresh existing connections; they never establish one.

Is Kreissparkasse Gotha supported?

Yes. Kreissparkasse Gotha (BIC HELADEF1GTH) is available for both business and personal accounts through the dashboard connect flow.

Can open-banking.io see my transactions?

No. It holds only your public key. Data is encrypted for you and decrypted solely on your device, so the servers cannot read it.

What does it cost?

Around EUR 3 per month, covering dashboard access and, if you need it, the developer API for all your connected banks.

Start at open-banking.io.