Kreissparkasse München Starnberg Ebersberg API

Reaching account data at Kreissparkasse München Starnberg Ebersberg (BIC BYLADEM1KMS) does not require a banking licence, an eIDAS certificate, or a bespoke PSD2 integration. open-banking.io gives you regulated access to this Bavarian Sparkasse — covering both business and personal accounts — through a single dashboard, and hands the decryption key to you alone. Nothing leaves your device readable: the service is zero-knowledge and certificate-free, holding only your public key.

How to connect Kreissparkasse München Starnberg Ebersberg

Everything happens in the open-banking.io web dashboard — there is no API call, code, or key involved in linking the bank.

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally on your own device, so only you can later decrypt what syncs in.
  2. In the dashboard, search for Kreissparkasse München Starnberg Ebersberg and choose the account type you need — business or personal.
  3. You are redirected to Kreissparkasse München Starnberg Ebersberg's own secure login, where you approve access on the bank's PSD2 consent screen. Consent can run up to 180 days before you re-approve.
  4. Your approved accounts sync straight into your dashboard, ready to view.

The bank authenticates you directly — open-banking.io never sees your credentials.

Access your data

Once a connection exists, developers can optionally read it programmatically. Open the Developers page, create an API key, and export a credentials.json bundling that key with your private decryption key. Then 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. The CLI and SDK only read and sync existing connections — they never create one. Without your private key, an API key alone returns nothing but ciphertext, because open-banking.io's servers cannot decrypt your data.

All of this runs at roughly EUR 3/month across 2,600+ EU and UK banks.

Is a certificate or PSD2 licence needed?

No. open-banking.io is certificate-free. You approve access on the bank's own consent screen; no eIDAS certificate or licence is required on your side.

Which Kreissparkasse München Starnberg Ebersberg accounts are supported?

Both business and personal accounts (BIC BYLADEM1KMS) can be linked and synced into your dashboard.

How long does access last before renewal?

Each PSD2 consent lasts up to 180 days. After that you simply re-approve on the bank's login to keep data flowing.

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