Kreissparkasse Heidenheim API Access & Open Banking

Reaching your Kreissparkasse Heidenheim accounts through open-banking.io means one clean PSD2 connection instead of scraping or screen-based hacks. The service covers 2,600+ EU and UK banks, and Kreissparkasse Heidenheim (BIC SOLADES1HDH) is one of them, for both business and personal account types. What sets it apart is the trust model: your bank data is encrypted and decrypted on your own device with a key only you hold. open-banking.io's servers store only your public key, so they can never read a single transaction — no eIDAS certificate, no bank sponsorship, no PSD2 licence of your own required.

How to connect Kreissparkasse Heidenheim

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 your encryption passphrase. Your keys are generated locally on your device at this moment — open-banking.io never sees the private half.
  3. In the dashboard, pick Kreissparkasse Heidenheim and choose the account type you want to link (business or personal).
  4. You're redirected to Kreissparkasse Heidenheim's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials only ever touch the bank.
  5. Your accounts and transactions sync back into your dashboard.

Each approval lasts up to 180 days, the maximum consent window Kreissparkasse Heidenheim allows, after which you simply re-approve from the dashboard.

Access your data

Reading Kreissparkasse Heidenheim data programmatically is an optional developer step you take after the connection exists. 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. Requests carry your key in the X-Api-Key header, and every response is decrypted locally with your own key. An API key alone returns only ciphertext — without your private key, there's nothing readable. Note the CLI and SDK only read or sync connections that already exist; they never establish one.

All of this runs on the ~EUR 3/month plan.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you authenticate directly on Kreissparkasse Heidenheim's login, nothing more.

Can open-banking.io read my Kreissparkasse Heidenheim transactions?

No. It's zero-knowledge: only your public key is stored, and decryption happens on your device.

How long does access last?

Up to 180 days per consent, then you re-approve in seconds from the dashboard.

Start at https://open-banking.io.