Sparkasse Bayreuth API Access & Open Banking Data

Pulling account data out of Sparkasse Bayreuth usually means wrestling with certificates, sandboxes and developer onboarding. open-banking.io skips all of that. You sign up, connect the bank through a normal PSD2 consent screen, and your business and personal accounts stream into a dashboard where only you hold the key to decrypt them. BIC BYLADEM1SBT is covered as one of 2,600+ EU/UK banks on the platform.

The service is zero-knowledge and certificate-free: encryption keys are generated on your own device, and open-banking.io's servers only ever see your public key. They can store your data but can never read it.

How to connect Sparkasse Bayreuth

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

  1. Create an open-banking.io account and set an encryption passphrase. Your private key is generated locally from it and never leaves your device.
  2. In the dashboard, search for Sparkasse Bayreuth and choose your account type — business or personal.
  3. You are redirected to Sparkasse Bayreuth's own secure login to approve access. This is standard PSD2 consent, granted directly to the bank, valid for up to 180 days before you renew it.
  4. Once approved, your accounts and transactions sync back into your dashboard, already encrypted under your key.

Access your data

Want to read Sparkasse Bayreuth data programmatically? That's an optional step after the connection exists. On the Developers page, create an API key and export a credentials.json — it bundles the API key together with your private decryption key. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — the private key stays with you. Note the CLI and SDK only read and sync existing connections; there is no connect command.

All of this runs at roughly EUR 3/month.

Do I need a developer account to connect?

No. Connecting Sparkasse Bayreuth is a dashboard task. API keys are only for reading data afterwards.

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

No. It's zero-knowledge — the servers hold only your public key and store ciphertext they cannot decrypt.

How long does access last?

Sparkasse Bayreuth consent lasts up to 180 days, after which you re-approve on the bank's login screen.

Start at open-banking.io.