Spar- und Kreditbank Hammah Open Banking & API Access

Reaching your Spar- und Kreditbank Hammah accounts programmatically usually means certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of it. This Lower Saxony cooperative bank (BIC GENODEF1HAA) is one of 2,600+ EU/UK institutions you can link through a single dashboard, with both business and personal account types supported and consent lasting up to 180 days before you renew it.

The defining feature is privacy. open-banking.io is zero-knowledge and certificate-free: your encryption keys are generated on your own device, and the service only ever holds your public key. Every balance and transaction from Spar- und Kreditbank Hammah is decrypted locally, so no server — not even open-banking.io's — can read your financial data.

How to connect Spar- und Kreditbank Hammah

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 private key is created locally and never leaves your device.
  2. In the dashboard, search for Spar- und Kreditbank Hammah and choose the account type you need (business or personal).
  3. You are redirected to Spar- und Kreditbank Hammah's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into the dashboard and stay updated for the life of the 180-day consent.

Access your data

After the connection exists, developers can optionally read it programmatically. Open 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your key. The CLI and SDK only read and sync connections that already exist — they cannot create one. And without your private key, an API key alone returns nothing but ciphertext.

All of this runs on a flat plan of roughly EUR 3/month.

Do I need a developer account or certificate to start?

No. Connecting Spar- und Kreditbank Hammah is done in the dashboard with a bank login. Certificates and API keys are never required to link an account.

Can open-banking.io see my Spar- und Kreditbank Hammah transactions?

No. The service is zero-knowledge and holds only your public key. Data is decrypted on your device with a key only you control.

How long does access last?

Spar- und Kreditbank Hammah grants consent for up to 180 days, after which you re-approve on the bank's own screen.

Start at open-banking.io.