Kreissparkasse Heilbronn API Access & Open Banking

Kreissparkasse Heilbronn serves the city and district of Heilbronn in Baden-Württemberg, and if you rely on its accounts you have probably wished you could pull balances and transactions into your own tools without wrestling with bank certificates or a corporate PSD2 contract. open-banking.io gives individuals and small teams that reach: read-only access to your Kreissparkasse Heilbronn business or personal accounts (BIC HEISDE66XXX) through one tidy dashboard, with the data decrypted on your own machine.

How to connect Kreissparkasse Heilbronn

Connecting happens entirely inside the open-banking.io dashboard — there is no code, endpoint, or API 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 only you can later unlock the data.
  2. In the dashboard, choose Kreissparkasse Heilbronn from the list of 2,600+ supported banks and select the account type you hold — business or personal.
  3. You are redirected to Kreissparkasse Heilbronn's own secure login, where you approve access under PSD2. Your credentials only ever touch the bank's screen.
  4. Once approved, 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 for developers, and only after the connection above exists. 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), the SDKs, or the REST API all work the same way: requests carry your key in the X-Api-Key header, and every response is decrypted locally on your machine. There is no connect command — the tooling only reads and syncs connections you already made in the dashboard.

Because open-banking.io is zero-knowledge, its servers hold only your public key and never see readable account data; an intercepted API key alone returns ciphertext, nothing more. The whole service is certificate-free and costs around EUR 3 per month.

Does open-banking.io store my Kreissparkasse Heilbronn login?

No. You authenticate on Kreissparkasse Heilbronn's own consent screen, and open-banking.io never sees or stores your banking credentials.

Can I connect a business account?

Yes. Both business and personal Kreissparkasse Heilbronn accounts are supported — pick the type when you select the bank in the dashboard.

How long does access last before I re-approve?

Kreissparkasse Heilbronn allows a maximum consent window of 180 days, after which you re-approve access from the dashboard.

Ready to start? Connect your account at open-banking.io.