Sparkasse Erding-Dorfen API Access & Open Banking

Reading your Sparkasse Erding-Dorfen accounts programmatically used to mean chasing PSD2 certificates and eIDAS paperwork. open-banking.io removes all of that. It links to Sparkasse Erding-Dorfen (BIC BYLADEM1ERD) on your behalf and streams balances and transactions into a dashboard where the data is decrypted locally with a key only you hold. Both business and personal accounts are supported, and a single consent stays valid for up to 180 days before Sparkasse Erding-Dorfen asks you to renew it.

Because the platform is zero-knowledge, open-banking.io servers only ever hold your public key. Ciphertext passes through them; the readable numbers only exist on your own device.

How to connect Sparkasse Erding-Dorfen

Connecting happens entirely in 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 an encryption passphrase. Your keys are generated right there on your device.
  2. In the dashboard, choose Sparkasse Erding-Dorfen and pick the account type you need (business or personal).
  3. You are redirected to Sparkasse Erding-Dorfen's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into the dashboard and stay refreshed for the life of the consent.

You never hand credentials to open-banking.io — authentication stays on Sparkasse Erding-Dorfen's side.

Access your data

After the connection exists, developers can optionally read it in code. Open 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 the X-Api-Key header, and every response is decrypted locally with your key. The CLI and SDK only read and sync connections that already exist; there is no connect command. An API key on its own returns nothing but ciphertext.

All of this runs at around EUR 3/month, with no certificate or corporate onboarding required.

Do I need an eIDAS certificate for Sparkasse Erding-Dorfen?

No. open-banking.io is certificate-free — the platform handles the regulated PSD2 layer for you.

Can open-banking.io read my Sparkasse Erding-Dorfen transactions?

No. It stores only your public key. Data is decrypted on your device, so the servers see ciphertext.

How long does access last?

Up to 180 days per consent, after which you re-approve on Sparkasse Erding-Dorfen's login screen.

Start at open-banking.io.