Sparkasse Altötting-Mühldorf Open Banking & API Access

Pulling account and transaction data from Sparkasse Altötting-Mühldorf (BIC BYLADEM1MDF) usually means wrestling with PSD2 certificates and sandbox onboarding. open-banking.io removes that: it links the Bavarian Sparkasse through a single dashboard, syncs your accounts, and hands the raw data back to you already decrypted on your own device. Whether you hold a business or a personal account, the setup is the same and takes minutes.

How to connect Sparkasse Altötting-Mühldorf

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

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally, so only you can ever read the resulting data.
  2. In the dashboard, search for Sparkasse Altötting-Mühldorf and choose your account type — business or personal.
  3. You are redirected to Sparkasse Altötting-Mühldorf's own secure login, where you approve access under PSD2. Consent lasts up to 180 days, after which you simply reauthorise.
  4. Your accounts sync straight into the dashboard, ready to view.

Access your data

Reading the data programmatically is an optional step after the connection exists. Open the Developers page, create an API key, and export a credentials.json bundle — this holds both the API key and 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. There is no connect command — the tooling only reads and syncs the connection you already approved in the dashboard.

Because open-banking.io is zero-knowledge, its servers only ever hold your public key. An API key on its own returns ciphertext; without your private key it stays unreadable — even to open-banking.io. The whole service is certificate-free and runs from around EUR 3/month.

Do I need a PSD2 certificate for Sparkasse Altötting-Mühldorf?

No. open-banking.io handles the regulated connection, so you never register an eIDAS certificate or run a sandbox.

Can open-banking.io read my Sparkasse Altötting-Mühldorf transactions?

No. Data is encrypted with a key generated on your device. The service stores only your public key and can never decrypt your account information.

How long does access to Sparkasse Altötting-Mühldorf last?

Each consent is valid for up to 180 days. When it expires, reauthorise once on the bank's login screen to keep syncing.

Start connecting Sparkasse Altötting-Mühldorf at open-banking.io.