Sparkasse Heidelberg API Access & Open Banking Data

Pulling your Sparkasse Heidelberg balances and transactions into one place shouldn't mean handing a third party the keys to your finances. open-banking.io links your Sparkasse Heidelberg accounts under Germany's PSD2 rules, then hands the data straight back to you encrypted — decrypted only on your own device, with a key that never leaves it. Whether you hold a personal current account or run a business relationship (BIC SOLADES1HDB), the same private, certificate-free flow applies.

How to connect Sparkasse Heidelberg

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your device, so no one else can read your data.
  2. In the dashboard, choose Sparkasse Heidelberg and select the account type — business or personal.
  3. You're redirected to Sparkasse Heidelberg's own secure login, where you approve access (standard PSD2 consent).
  4. Your accounts sync back into the dashboard, ready to view. Consent lasts up to 180 days before Sparkasse Heidelberg asks you to renew it.

That's the whole connection. You authorise directly with the bank — open-banking.io never sees your banking credentials.

Access your data

Want Sparkasse Heidelberg data in your own scripts? That's an optional developer step, available only after you've connected. On the Developers page, create an API key and export a credentials.json — it bundles the API key with your private decryption key. Then 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 you already made in the dashboard — they can't create one.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key alone returns ciphertext; without your private key, nobody — including open-banking.io — can read a single transaction. All of this runs at around EUR 3/month, with no eIDAS certificates to buy or maintain.

Can I connect a business account at Sparkasse Heidelberg?

Yes. Both business and personal account types are supported — just pick the right one in the dashboard before you're sent to the bank's login.

How long does access stay active?

Up to 180 days per consent. When it expires, reconnect through Sparkasse Heidelberg's login to renew.

Does open-banking.io ever see my transactions?

No. Data is decrypted only on your device with a key you alone hold; the service stores just your public key.

Start at open-banking.io.