Kreissparkasse Ravensburg API Access & Open Banking

Kreissparkasse Ravensburg serves Upper Swabia with everyday business and personal banking, and open-banking.io lets you reach that account data under PSD2 without certificates, eIDAS registration, or a bank sponsorship. You keep an encrypted, read-only view of your balances and transactions, and because the platform is zero-knowledge, only you hold the key that turns your synced data back into plain text.

The bank is reachable through the standard open-banking.io coverage of 2,600+ European institutions, identified by BIC SOLADES1RVB. Both business and personal account types are supported, and a single consent stays valid for up to 180 days before Kreissparkasse Ravensburg asks you to re-approve.

How to connect Kreissparkasse Ravensburg

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated on your own device, so the servers only ever see your public key.
  2. In the dashboard, search for Kreissparkasse Ravensburg and choose whether you are linking a business or personal account.
  3. You are redirected to Kreissparkasse Ravensburg's own secure login, where you approve access on the bank's PSD2 consent screen — your credentials are entered only on the bank's site.
  4. Once approved, your accounts sync back into the dashboard and refresh automatically for the life of the consent.

Access your data

Reading the data programmatically is an optional 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 you can run the CLI (openbanking accounts, openbanking transactions, openbanking sync) or call the SDK and REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally on your machine. The CLI and SDK only read and sync connections that already exist; they never create one. An API key on its own returns ciphertext — without your private key it stays unreadable, which is what makes the model genuinely zero-knowledge.

All of this runs on the standard open-banking.io plan at roughly EUR 3/month, with no certificate or licensing overhead.

Is a QWAC or eIDAS certificate required?

No. open-banking.io handles regulated access for you, so you connect Kreissparkasse Ravensburg without any certificate of your own.

Yes. Kreissparkasse Ravensburg supports both types — connect each one separately in the dashboard and approve it on the bank's consent screen.

How often do I re-authorise?

Consent lasts up to 180 days. Near expiry, simply repeat the dashboard approval to keep your data syncing.

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