Kreissparkasse Kelheim API Access & Open Banking

Reaching account data at Kreissparkasse Kelheim no longer means chasing a bank sandbox or wrestling with eIDAS certificates. open-banking.io gives you PSD2-compliant access to your Kreissparkasse Kelheim business and personal accounts through one dashboard, with data that stays readable only to you. The service covers 2,600+ EU and UK banks, is certificate-free, and works on a zero-knowledge model: your encryption keys are generated on your own device, and open-banking.io's servers only ever hold your public key.

How to connect Kreissparkasse Kelheim

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, no endpoint, and no key needed to link the bank.

  1. Sign up for open-banking.io and set your encryption passphrase. The matching private key is created locally, so only you can decrypt what syncs later.
  2. In the dashboard, choose Kreissparkasse Kelheim (BIC BYLADEM1KEH) and pick the account type you want to link — business or personal.
  3. You are redirected to Kreissparkasse Kelheim's own secure login, where you approve access on the bank's PSD2 consent screen. Consent lasts up to 180 days before you renew it.
  4. Your approved accounts sync straight into your open-banking.io dashboard, ready to view.

Because approval happens on Kreissparkasse Kelheim's side, your credentials are never seen by open-banking.io.

Access your data

Reading the data programmatically is an optional step you take after connecting. On the Developers page, create an API key and export a credentials.json — it bundles that API key with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only returns ciphertext — without your private key it stays unreadable, which is what zero-knowledge really means.

All of this runs at roughly EUR 3/month.

Do I need an eIDAS certificate for Kreissparkasse Kelheim?

No. open-banking.io is certificate-free — you approve access directly on the bank's consent screen.

Can open-banking.io read my Kreissparkasse Kelheim data?

No. It holds only your public key. Decryption happens on your device with a private key nobody else has.

Does the CLI connect the bank for me?

No. The CLI and SDK only read and sync accounts you already linked in the dashboard — there is no connect command.

Start at open-banking.io.