Sparkasse Allgäu Open Banking & API Access

Reaching your Sparkasse Allgäu accounts programmatically usually means wrestling with PSD2 certificates and per-bank onboarding. open-banking.io removes that. It links to Sparkasse Allgäu (BIC BYLADEM1ALG) through the standard PSD2 rails and hands you clean, decrypted account and transaction data — without you ever registering as a licensed third party. Both business and personal accounts are supported, and a single consent stays valid for up to 180 days before you re-approve.

The service is certificate-free and zero-knowledge: your encryption keys are generated on your own device, and open-banking.io only ever holds your public key. Nobody on their side — or anyone who intercepts the traffic — can read your balances or payments.

How to connect Sparkasse Allgäu

Connecting happens entirely in the open-banking.io dashboard, not through any API call or key:

  1. Sign up for open-banking.io and set an encryption passphrase. Your private key is created locally and never leaves your device.
  2. In the dashboard, search for Sparkasse Allgäu and choose the account type you need — business or personal.
  3. You are redirected to Sparkasse Allgäu's own secure login and consent screen, where you approve access directly with the bank (PSD2 consent, valid up to 180 days).
  4. Once approved, your accounts sync back into the dashboard automatically and stay refreshed.

That's the whole connection flow — the bank authenticates you, not open-banking.io.

Access your data

Want to pull the data into your own code? That's an optional step you take after connecting. On the Developers page, create an API key and export a credentials.json file, which bundles your 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 — so an API key alone only ever yields ciphertext without your private key present. The CLI and SDK read and sync existing connections; they never create them.

Pricing is a flat ~EUR 3/month with no per-call fees.

Do I need an eIDAS certificate for Sparkasse Allgäu?

No. open-banking.io is certificate-free — you authorise access on Sparkasse Allgäu's consent screen and nothing more.

Can open-banking.io see my Sparkasse Allgäu balances?

No. The platform is zero-knowledge and stores only your public key. Data is decrypted on your device with a key only you hold.

Up to 180 days per approval, after which you simply re-confirm access with the bank.

Ready to start? Visit open-banking.io.