Sparkasse Coburg-Lichtenfels API & Open Banking Access

Reaching your Sparkasse Coburg-Lichtenfels accounts through a single, private interface no longer means wrestling with bank-specific portals or PSD2 certificates. open-banking.io links to Sparkasse Coburg-Lichtenfels (BIC BYLADEM1COB) alongside 2,600+ other EU and UK institutions, covering both business and personal account types under one dashboard. Every balance and transaction that flows in is decrypted locally with a key that never leaves your device — the service holds only your public key and can never read your data.

How to connect Sparkasse Coburg-Lichtenfels

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 keys are generated right there on your own device.
  2. In the dashboard, choose Sparkasse Coburg-Lichtenfels and select whether you're linking a business or personal account.
  3. You're redirected to Sparkasse Coburg-Lichtenfels's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync straight into your dashboard. Consent lasts up to 180 days, after which you simply re-approve.

Access your data

Once a connection exists, developers can optionally read it programmatically. On the Developers page, create an API key and export a credentials.json — this bundles the API key and your private decryption key. From there the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API all work. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you've already made in the dashboard — they never create new ones. An API key on its own returns nothing but ciphertext without your private key.

All of this runs certificate-free for roughly EUR 3/month.

Is my Sparkasse Coburg-Lichtenfels data readable by open-banking.io?

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

Can I connect a business account?

Yes. Both business and personal Sparkasse Coburg-Lichtenfels accounts are supported — pick the type when selecting the bank in the dashboard.

How long does access stay active?

Sparkasse Coburg-Lichtenfels grants consent for up to 180 days per approval. When it expires, reconfirm on the bank's consent screen to keep syncing.

Start at open-banking.io.