Kreissparkasse Rhein-Hunsrück API Access & Open Banking

Kreissparkasse Rhein-Hunsrück serves the Simmern region of Rhineland-Palatinate, and open-banking.io lets you reach its account data without the usual PSD2 headache. There are no eIDAS certificates to buy, no bank onboarding forms, and no servers that can peek at your finances. Your balances and transactions are decrypted on your own device with a key that never leaves it, so open-banking.io only ever holds ciphertext and your public key.

The service already covers 2,600+ banks across the EU and UK. For Kreissparkasse Rhein-Hunsrück (BIC MALADE51SIM) you can link both business and personal accounts, and each authorisation stays valid for up to 180 days before you renew it.

How to connect Kreissparkasse Rhein-Hunsrück

Connecting happens entirely in the open-banking.io dashboard — the web app, not any API call:

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated locally on your device, so the private key stays with you.
  3. In the dashboard, search for Kreissparkasse Rhein-Hunsrück and choose the account type you want to link (business or personal).
  4. You are redirected to Kreissparkasse Rhein-Hunsrück's own secure login, where you approve access on the bank's consent screen.
  5. Your accounts sync back into the dashboard, ready to view.

No API key, code, or developer redirect touches this step — it is a standard bank-hosted PSD2 approval.

Access your data

Once the connection is live, developers can optionally read it programmatically. 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key alone only ever returns ciphertext; without your private key it stays unreadable. The CLI and SDK read and sync existing connections — they never create one.

All of this runs from about EUR 3/month.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you just sign up and approve access on the bank's screen.

Can open-banking.io see my Kreissparkasse Rhein-Hunsrück data?

No. The design is zero-knowledge: data is decrypted only on your device, and the servers hold only your public key.

Up to 180 days, after which you re-approve access on the bank's consent screen.

Start at open-banking.io.