Nord-Ostsee Sparkasse API Access & Open Banking

Nord-Ostsee Sparkasse (BIC NOLADE21NOS) serves customers across Schleswig-Holstein, and open-banking.io lets you reach its account and transaction data without certificates, eIDAS registration or a bank-by-bank PSD2 project. Both business and personal accounts are supported, and a single consent stays valid for up to 180 days before you re-authorise. Everything is decrypted on your own device with a key only you hold — open-banking.io stores just your public key and can never read your balances.

How to connect Nord-Ostsee Sparkasse

Connecting happens entirely in 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 an encryption passphrase. Your key pair is generated locally on your device.
  2. In the dashboard, choose Nord-Ostsee Sparkasse and select the account type you want to link (business or personal).
  3. You are redirected to Nord-Ostsee Sparkasse's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your approved accounts sync back into the dashboard, ready to view for the length of the 180-day consent.

Access your data

Once a connection exists, 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 directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only ever returns ciphertext, so a leaked key exposes nothing readable. Note the CLI and SDK only read and sync connections already made in the dashboard — there is no connect command.

At roughly EUR 3/month across 2,600+ EU and UK banks, it is a low-cost, zero-knowledge way to work with Nord-Ostsee Sparkasse data.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you authorise directly on Nord-Ostsee Sparkasse's consent screen, with no QWAC or TPP licence required from you.

Can open-banking.io see my Nord-Ostsee Sparkasse balances?

No. The service is zero-knowledge and holds only your public key. Data is decrypted on your device with a private key that never leaves it.

How long does access last before I reconnect?

Nord-Ostsee Sparkasse permits a maximum consent of 180 days. After that you simply re-approve access from the dashboard.

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