Sparkasse Herne API Access & Open Banking Data

Sparkasse Herne (BIC WELADED1HRN) serves the Ruhr city of Herne with both personal and business banking. open-banking.io lets you pull your Sparkasse Herne balances and transactions into a single dashboard — and, if you write code, read them programmatically — without EIDAS certificates, sandbox paperwork or a bank-by-bank integration project. It is one of 2,600+ EU and UK banks covered, and everything is decrypted on your own device with a key only you hold.

How to connect Sparkasse Herne

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 your encryption passphrase. Your keys are generated locally, so nobody else can decrypt what you sync.
  2. In the dashboard, search for Sparkasse Herne and choose the account type you hold — business or personal.
  3. You are redirected to Sparkasse Herne's own secure login, where you approve access under PSD2. Your consent lasts up to 180 days before a quick renewal is needed.
  4. Your accounts sync straight into the dashboard, ready to view.

Access your data

Once a connection exists, developers can optionally read it in code. 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK or the REST API. Requests authenticate with 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 — there is no connect command.

Because open-banking.io is zero-knowledge, its servers only ever hold your public key. An API key on its own returns ciphertext; without your private key the data stays unreadable. All of this runs at around EUR 3/month.

Does open-banking.io see my Sparkasse Herne data?

No. Data is encrypted with a key generated on your device. The service stores only your public key and can never read your balances or transactions.

Can I connect a Sparkasse Herne business account?

Yes. Both business and personal account types are supported — pick the one you hold when you select Sparkasse Herne in the dashboard.

How often do I re-approve access?

Sparkasse Herne grants consent for up to 180 days. Near expiry, reconnect from the dashboard with a quick approval on the bank's login screen.

Start at open-banking.io.