Sparkasse Herne API Access via open-banking.io

Pulling your Sparkasse Herne data into another app usually means wrestling with eIDAS certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of that. Point your integration at a single REST endpoint and start syncing Sparkasse Herne accounts in minutes — no bank-specific onboarding, no certificate handling, no per-institution contracts.

Whether you are building a bookkeeping tool, a treasury dashboard or a personal finance tracker, the same request shape works for Sparkasse Herne (BIC WELADED1HRN) and 2,600+ other banks across the EU and UK.

How to connect Sparkasse Herne

  1. Sign up for an open-banking.io account and grab your API key.
  2. Create a link session and select Sparkasse Herne as the target institution.
  3. Redirect your user to the Sparkasse Herne authentication screen, where they approve access.
  4. Receive the callback and call the accounts endpoint to begin syncing.

What data you can access

  • Accounts — IBANs, account holder details and account metadata for both business and personal products.
  • Balances — current and available balances, refreshed on demand.
  • Transactions — booked and pending entries with counterparty, amount, reference and value date.

A single user authorisation stays valid for up to 180 days before a renewal is required, so you avoid constant re-prompting. Sparkasse Herne supports both business and personal account types, letting you serve companies and individuals through one integration.

Privacy by design

open-banking.io is zero-knowledge: we relay data between your app and Sparkasse Herne without storing your customers' financial records. There are no eIDAS or QWAC certificates to obtain, install or renew — authentication is handled for you, so your engineering effort goes into your product rather than compliance plumbing.

Pricing

Access starts at roughly EUR 3 per month, with all 2,600+ supported banks included. No setup fees and no per-bank surcharges.

Is a banking licence or PSD2 certificate required?

No. open-banking.io operates the regulated access layer, so you connect to Sparkasse Herne without your own licence or certificates.

How long does a Sparkasse Herne connection stay active?

Each consent lasts up to 180 days. After that, the user simply re-authorises to continue syncing.

Can I access both business and personal accounts?

Yes. Sparkasse Herne exposes both business and personal account types through the same API.

Ready to start? Explore the docs and sign up at open-banking.io.