Sparkasse Dachau API Access & Open Banking Data

Reaching your Sparkasse Dachau account data no longer means wrestling with bank certificates or a bespoke integration. open-banking.io links to Sparkasse Dachau (BIC BYLADEM1DAH) through regulated PSD2 access, then decrypts everything locally with a key that never leaves your device. Both business and personal accounts are supported, and a single approval keeps data flowing for up to 180 days before you renew.

The service spans 2,600+ European banks, so Sparkasse Dachau sits alongside the rest of your financial picture in one dashboard — no per-bank onboarding, no certificate files, no compliance paperwork on your side.

How to connect Sparkasse Dachau

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated right there on your own device.
  2. In the dashboard, search for Sparkasse Dachau and choose the account type you need — business or personal.
  3. You are redirected to Sparkasse Dachau's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts and transactions sync straight into your dashboard.

That consent stays valid for 180 days, the maximum Sparkasse Dachau permits, after which a quick re-approval renews it.

Access your data

Want to pull Sparkasse Dachau data programmatically? That's an optional developer step you take after connecting. On the Developers page, create an API key and export a credentials.json — it 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 the X-Api-Key header, and every response is decrypted locally with your own key.

Because the platform is zero-knowledge, its servers only ever hold your public key. An API key alone returns ciphertext — without your private key it stays unreadable, even to open-banking.io. That's the whole point: certificate-free access, priced at roughly EUR 3/month.

Do I need a developer account to connect Sparkasse Dachau?

No. Connecting is done in the dashboard by approving access on Sparkasse Dachau's login. API keys are only for reading data afterwards.

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

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

How long does access last?

Each Sparkasse Dachau consent lasts up to 180 days. Renew it with a quick re-approval when it expires.

Start at https://open-banking.io.