Sparkasse Fürth Open Banking & API Access Guide

Reaching your Sparkasse Fürth account data shouldn't mean wrestling with eIDAS certificates or a PSD2 sandbox. open-banking.io gives you a single, private route to your Franconian Sparkasse: a secure PSD2 connection you approve yourself, with every balance and transaction decrypted on your own device using a key only you hold.

The service already reaches 2,600+ banks across the EU and UK. For Sparkasse Fürth that covers both business and personal account types, with a consent that stays valid for up to 180 days before you re-authorise.

How to connect Sparkasse Fürth

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 encryption keys are generated locally on your device, so nobody else can read what syncs.
  2. In the dashboard, search for Sparkasse Fürth (BIC BYLADEM1SFU) and choose whether you're linking a business or personal account.
  3. You're redirected to Sparkasse Fürth's own secure login, where you approve access on the bank's PSD2 consent screen — your credentials only ever touch the bank.
  4. Once approved, your accounts flow back into the dashboard and begin to sync.

That's the whole connection. No certificate, no developer registration, no waiting on API onboarding.

Access your data

Want to work with the data programmatically? That's an optional step you take after the account is connected. Open 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 the CLI reads your existing connection:

openbanking accounts
openbanking transactions
openbanking sync

SDKs and the REST API work the same way, authenticating with the X-Api-Key header. Every response arrives encrypted and is decrypted locally with your private key — the API key alone only ever returns ciphertext.

Because open-banking.io is zero-knowledge, its servers hold only your public key and can never read or decrypt your Sparkasse Fürth data. All of this runs for roughly EUR 3/month.

Do I need a developer account to connect?

No. Linking Sparkasse Fürth is done in the dashboard and finished on the bank's own consent screen. API keys are only for reading data later.

Can open-banking.io see my balances?

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

Up to 180 days, after which you re-approve access on Sparkasse Fürth's login to keep syncing.

Start at open-banking.io.