Sparkasse Bodensee API Access & Open Banking Data

Sparkasse Bodensee serves the Konstanz and Lake Constance region, and open-banking.io lets you reach its account data without certificates, eIDAS registration, or a PSD2 licence of your own. Whether you hold a personal or a business account (BIC SOLADES1KNZ), you authorise access once and your balances and transactions stream into a dashboard that only you can decrypt.

The service covers 2,600+ European banks through a single, consistent workflow, so Sparkasse Bodensee behaves exactly like every other institution you add. There is no endpoint to call to establish the link and no API key involved in granting access — the connection is made entirely in the web dashboard.

How to connect Sparkasse Bodensee

  1. Sign up at open-banking.io and set an encryption passphrase. Your key pair is generated locally on your own device; the service only ever holds your public key.
  2. In the dashboard, choose Sparkasse Bodensee from the bank list and select the account type you want to link — personal or business.
  3. You are redirected to Sparkasse Bodensee's own secure login, where you approve the PSD2 consent directly with the bank. open-banking.io never sees your banking credentials.
  4. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen to keep the data flowing.

Access your data

Reading the data programmatically is an optional step you take after the connection exists. 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. Requests carry your key in the X-Api-Key header, and every response is decrypted locally with your private key. The CLI and SDK only read and sync connections you already made in the dashboard — there is no connect command.

Because the architecture is zero-knowledge, the API key alone returns nothing but ciphertext; without your private key the data stays unreadable, even to open-banking.io. All of this runs for roughly EUR 3 per month.

Do I need an eIDAS certificate for Sparkasse Bodensee?

No. open-banking.io is certificate-free, so you never register with a regulator or manage QWAC certificates.

Can open-banking.io read my Sparkasse Bodensee transactions?

No. Data is decrypted only on your device with a key you alone hold. The servers store just your public key.

How long does access to Sparkasse Bodensee last?

Up to 180 days per consent. When it expires, re-approve on the bank's own login screen to continue syncing.

Start at open-banking.io.