Sparkasse Freyung-Grafenau API Access & Open Banking

Reaching your Sparkasse Freyung-Grafenau account data no longer means wrestling with bank APIs or eIDAS certificates. open-banking.io links to Sparkasse Freyung-Grafenau (BIC BYLADEM1FRG) under PSD2 and streams your balances and transactions into one dashboard, encrypted so that only you can read them. Both business and personal accounts are supported, and a single consent stays valid for up to 180 days before you renew it.

The service is zero-knowledge by design: your encryption keys are generated on your own device, and open-banking.io's servers hold nothing but your public key. There are no certificates to buy and no bank-specific onboarding — just one flow that works across 2,600+ European banks.

How to connect Sparkasse Freyung-Grafenau

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 key is created locally and never leaves your device.
  2. In the dashboard, search for Sparkasse Freyung-Grafenau and choose the account type you need — business or personal.
  3. You are redirected to Sparkasse Freyung-Grafenau's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync straight into your dashboard and refresh automatically for the life of the consent.

Access your data

Programmatic access is an optional step that comes after your Sparkasse Freyung-Grafenau connection is live. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests carry the X-Api-Key header, and every response is decrypted locally with your own key — the API key alone only ever returns ciphertext. The CLI and SDK read and sync existing connections; they never establish new ones.

All of this runs from about EUR 3/month with no per-bank fees.

Is a certificate required for Sparkasse Freyung-Grafenau?

No. open-banking.io is certificate-free — you authorise access on the bank's consent screen, nothing more.

Can open-banking.io read my Sparkasse Freyung-Grafenau transactions?

No. The platform is zero-knowledge and stores only your public key, so your data stays readable only to you.

Sparkasse Freyung-Grafenau grants up to 180 days per consent, after which you simply reauthorise in the dashboard.

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